Fixed Index Annuities (FIA)

A fixed indexed annuity is designed to provide growth potential, while protecting your assets from any losses

FIA’s are savings vehicles that link your interest rate to the growth of a major index such as the S&P 500.

These products are not directly invested in the market, which provides you protection against market losses. Stock market performance is used for interest calculations. As a selected stock market index rises (like the S&P 500, for example), the insurance company credits your account with interest. Therefore, the better the market performs, the higher the interest your account receives.  Some companies put caps or participation rates that can put a limit the upside potential.

 When the market falls, your principal is 100% protected. Your account will never lose value due to a market downturn. Because of this unique feature, you’ll never have to make up for past market losses. You get the upside potential of market-linked gains, with the guaranteed that you will NEVER lose your principal with market downside.

5 Big Benefits

  • No fees
  • Safety of principal
  • Interest gains locked in each year
  • Potential for growth with no market downside
  • Most companies allow a yearly 10 % free withdrawal

FIA examples:

FIA Example

FIA Brochure Example


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