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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.
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The Problem -The Financial Villain

Retirement savings should be safe and growing, 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

The Guide–Fixed Indexed Annuities (FIAs) Can Help

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

The Plan - How an FIA Works in 3 Simple Steps

Choose Your Index Strategy

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

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.

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

Avoiding Failure - What Happens If You Do Nothing?(FIAs) Can Help

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.

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:

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Find out how a QLAC can lower your RMD taxes and secure your future income.

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