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Enjoy your retirement with a peace of mind!

 

Fixed Index Annuity


 If you’re looking for safer financial instruments than the stock market, a fixed index annuity may be of interest. Fixed index annuities allow you to keep hard-earned money protected while enjoying tax-deferred growth for your money based on an underlying index benchmark.

Via a fixed index annuity, you’ll have the ability to take advantage of index-linked growth. You can enjoy some growth potential for your money, balance protection with the risk of other (and more volatile) assets like stocks, and prepare for a financially confident future. 

 

What is a Fixed Index Annuity?


Like other annuities, a fixed index annuity is an insurance contract you own. It’s a fixed annuity which earns interest or provides benefits linked to the performance of an equity index. Examples of indices are the S&P 500®, the NASDAQ®, or the Dow Jones Industrial®. 


To be clear, fixed index annuities do not directly participate in any financial markets.

The value of the index may be tied to a stock index or another index. When the index records positive change, interest is credited to your annuity’s value. This interest rate is calculated using a formula based on linked index changes. It also comes with a minimum guaranteed interest rate so your principal stays protected in the event of negative index changes.


 

Fixed Index Annuity Benefits

 

  • They offer tax deferred growth
  • They don't have annual contribution limits as long as they are flexible premium FIAs
  • There is a guaranteed death benefit for your beneficiaries (estate planning solution)
  • There are no penalties for mandatory distributions at age 72
  • They give you the option of receiving a guaranteed income for life, called annuitization
  • Or they may offer a guaranteed income rider benefit (also called a guaranteed minimum income benefit (GMIB)) for life without having to annuitize
  • They may avoid probate







Looking For Help...

Are you concerned you may outlive your money, and looking to maximize your lifetime income? 


Would you like to have access to your money,  up to 10% a year with no penalties?


Would you like to see your money grow with no risk of losing due to market downfall?


If you answered YES to any of these question contact us now and one of our team members will get you going with a FREE portfolio review assessment. 



Find out more

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