Fixed Index Annuities
Interest credited based on a market index with a guaranteed floor — market-linked growth without market-linked losses.
Overview
A fixed index annuity (FIA) credits interest based on the performance of a market index, such as the S&P 500, but with a guaranteed floor that means your contract value never declines due to market losses. You participate in a portion of market gains in good years and are protected in bad ones.
Growth is tax-deferred, and the contract can be annuitized into a guaranteed lifetime income stream. Because the principal is protected, an FIA can serve as the growth engine of a retirement income plan for those who want upside without risking what they've saved.
Every FIA has a cap, a participation rate, and a spread that determine how much of the index's gain is credited. We walk you through exactly how your contract behaves across market scenarios before you sign.
Key Benefits
- Market-linked upside with a protected principal floor
- Tax-deferred growth on credited interest
- Optional guaranteed lifetime income rider
- No direct market-loss exposure to your contract value
Interested in Fixed Index Annuities?
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