Where Do Fixed Index Annuities Fit in Your Retirement Strategy?
Fixed index annuities (FIAs) offer principal protection and growth potential while you're saving for retirement and guaranteed income for life after you retire.
Allocating a portion of your assets to a fixed index annuity can help strengthen your retirement portfolio
Add protection and risk management
FIAs offer no market risk since they are not a direct investment in the stock market.
With FIA index-based strategies, you won't lose money due to market volatility, but unlike cash and money markets, you won't earn interest in down markets.
There are generally no fees for the FIA base contract, but if an optional feature is elected, fees may apply.
Enhance growth potential
FIAs earn interest based in part on index performance, providing potentially higher growth than bonds, cash and money markets.
Unlike taxable investments, interest earned from FIAs is tax deferred, meaning no tax is paid on any gains until withdrawn.
FIAs are long-term retirement products subject to withdrawal charges. Contract value may decline due to withdrawals and/or fees.
Note: Stocks and bonds have different objectives, risk tolerance levels and time horizons than fixed index annuities. For example, stocks may provide high growth potential, but they are subject to investment risk, including the possible loss of principal. Bonds offer a fixed rate of return, but they are subject to interest rate, default and credit risk. Index annuities provide moderate growth potential, but interest earned may vary with index returns and is subject to contract limitations such as index rate caps. Please consult us to help determine which financial product may be best for you.
Adding a fixed index annuity to your portfolio can provide you with income you won't outlive
Guarantee more income for life
FIAs with a guaranteed living benefit (GLB) option offer a protected and predictable stream of lifetime income. GLBs are available for an annual fee.
Bonds, cash and money markets offer a fixed rate of interest, but their income may not last for life.
Dividend-paying stocks can generate attractive income, but their income stream is not secure and may fluctuate with market conditions.
Consider a Fixed Index Annuity with a GLB option
Enhanced Lifetime Income Benefits
Guarantee lifetime income as high as 7-9%, depending on the annuity and GLB option selected, the number of lives covered and the age when lifetime withdrawals begin.
Generate income that you and your spouse won't outlive and that has the potential to rise throughout retirement.
Fixed Index Annuities
Expert Retirement Solutions
Guaranteed Lifetime Benefits Available