FIXED INDEX ANNUITY (FIA)
Help protect a portion of your retirement savings from market downturns while pursuing
tax-deferred growth and future income opportunities.
Protection From Market Losses.
Growth for Retirement.
Retirement should be about confidence, not uncertainty. A Fixed Index Annuity (FIA) is designed to help individuals protect a portion of their retirement savings while still participating in market-linked growth opportunities.
Unlike directly investing in the stock market, Fixed Index Annuities provide principal protection from market downturns while offering growth potential linked to a market index.
For many retirees and pre-retirees, an FIA can serve as a valuable tool for creating predictable retirement income while helping reduce exposure to market volatility.
You may want to explore a Fixed Index Annuity if:
✓ You are approaching retirement
✓ You want protection from market downturns
✓ You are concerned about outliving your income
✓ You have funds sitting in low-yield savings or CDs
✓ You want tax-deferred growth opportunities
✓ You value stability over speculation
What it is
A Fixed Index Anuity is a long-term retirement strategy issued by an insurance company that provides tax-deferred growth and protection from direct market losses.
Interest is credited based on the performance of a market index, subject to caps, participation rates, spreads, and other policy provisions. While growth potential exists, your principal is not directly invested in the market.
This combination of growth potential and downside protection makes FIAs a popular choice for individuals approaching retirement.
Principal Protection
One of the most attractive features of a Fixed Index Annuity is protection from market losses. When the market experiences negative performance, your principal remains protected from direct loss due to market declines.
Tax-Deferred Growth
Money inside an FIA grows tax-deferred until withdrawals begin, allowing your funds to potentially compound more efficiently over time.
Retirement Income Options
Many annuities offer riders that can provide guaranteed lifetime income, helping retirees create predictable cash flow they cannot outlive.
Reduced Market Volatility
Many investors nearing retirement seek ways to reduce exposure to major market swings while still pursuing growth opportunities.
Legacy Planning
Many annuity contracts include death benefit provisions that allow remaining values to pass to beneficiaries according to contract terms.
Common Uses For
Fixed Index Annuities
✓ Retirement Income Planning
✓ IRA Rollovers
✓ 401(k) Rollovers
✓ Principal Preservation
✓ Conservative Retirement Strategies
✓ Supplemental Retirement Income
✓ Tax Deferral Strategies
✓ Legacy Planning
Common Questions
1. Can I lose money in a Fixed Index Annuity?
Negative market performance generally does not directly reduce your principal due to index losses. However, withdrawals, surrender charges, rider fees, and other contract provisions may affect the value of the annuity. Be sure to review all product details before purchasing.
2. After the Accumulation Period, Does Income Last for Life?
Many Fixed Index Annuities offer optional income riders designed to provide income for the lifetime of the annuitant, even if the account value is depleted. However, income guarantees, rider availability, payout amounts, and contract terms vary by carrier and product.
It's important to review the specific contract provisions to understand how lifetime income benefits work and what options are available.
3. Should a 30-Year-Old Consider a Fixed Index Annuity?
It depends on their goals, time horizon, and overall financial strategy. Many younger individuals prioritize growth-oriented investments because they have more time to recover from market fluctuations. However, a Fixed Index Annuity may be worth considering for someone seeking principal protection, tax-deferred growth, or a portion of their portfolio dedicated to long-term retirement income planning. Every situation is unique and should be evaluated based on individual goals and risk tolerance.
4. Is a Fixed Index Annuity Better Than a CD?
FIA Fixed Index Annuity and a Certificate of Deposit (CD) serve different purposes. While both may appeal to conservative savers, Fixed Index Annuities often offer tax-deferred growth, income options, and growth potential linked to a market index, while CDs typically provide a fixed interest rate and FDIC protection. The right choice depends on your goals, time horizon, and liquidity needs.
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