annuitycom_color

Grow Your Savings with Protection from Market Losses

A Fixed Indexed Annuity (FIA) allows your money to earn
interest credits based on an external market index while
protecting it from direct market losses.

With an FIA, your principal is shielded from stock market declines, and your interest may grow based on an external index.
Get a Free FIA Quote
Schedule a Consultation

Retirement savings should be - safe and grow

but the reality is:

The stock market is unpredictable-

A downturn could reduce your retirement savings.

Bank rates are too low-

CDs and savings accounts do not keep up with inflation.

Taxes can eat into your growth-

raditional investments may trigger yearly tax liabilities.

Protect Your Retirement Now

A Balance of– Growth Potential & Principal Protection

A Fixed Indexed Annuity (FIA) is an annuity contract issued by an insurance company that:

Offers the potential for growth

through interest credits tied to a market index.

Provides protection from market downturns

(your principal will not decrease due to negative index performance).

Accumulates on a tax-deferred basis,

meaning taxes on earnings are delayed until withdrawal.

May include optional lifetime income benefits

meaning taxes on earnings are delayed until withdrawal.

See How Much You Can Earn

How an FIA Works in 3 Simple Steps:

Step 1: Choose Your Index Strategy

-Select an external market index (e.g., S&P 500) to determine potential interest credits.

Step 2: Earn Interest Credits with No Direct Market Losses


If the index performs well, you may receive interest credits (subject to caps, participation rates, or spreads).

If the index declines, you won't lose money due to market fluctuations.

Step 3: Decide on Your Withdrawal Strategy


Withdraw funds as needed (subject to contract terms) or convert to a guaranteed lifetime income stream.

Find the Best FIA for You

If you leave your money - in a high-risk or low-interest account, you could:

Lose savings in a market downturn

(for risk-based investments).

Miss out on tax-deferred growth opportunities.

Have uncertainty in retirement income planning.

Explore Your FIA Options

Common Questions About FIAs

Still have questions? Here are the answers to the most common questions we receive:

Can I lose money with an FIA?

The principal in your FIA is protected from market losses, but the value of your annuity may decrease if you take early withdrawals or choose optional riders with fees.

Earnings in your FIA grow tax-deferred, and withdrawals are taxed as ordinary income. If taken before age 59½, withdrawals may be subject to a 10% IRS penalty.

FIAs generally do not have upfront sales charges, but they may include:

  • Surrender charges if you withdraw funds before the contract period ends.
  • Optional rider fees for benefits such as guaranteed lifetime income.

Interest credits are based on an external index’s performance, subject to:

  • Participation rates (percentage of the index’s gain credited to your annuity).
  • Caps (maximum interest credited).
  • Spreads (percentage subtracted from gains before applying participation rates).
Still Have Questions? Talk to an Expert

REQUEST IMMEDIATE HELP

Call Or Fill In The Form Below To Speak With Our Servcie Team to Get Things Started

Get a Free FIA Quote Today

Find out how a Fixed Indexed Annuity can enhance your retirement strategy.

Request a Free FIA Quote
Schedule a Consultation

© Years of Copyright Publication 2015–2024 All rights reserved. Subject to the provisions of this notice, articles, materials and content published on this site (Annuity.com) are the property of Annuity.com, Inc. Annuity.com, Inc. allows the use of their content but reserves the right to withdraw permission at any time. Content includes articles, marketing materials, agent information used as content on all pages. Content used by Annuity.com as information for the public, enhancement of any agents reputation and lead generation for all sources is copyrighted.