Fixed indexed annuities
Possibilities for your savings.
Clarity for your decisions.
Explore how index-linked interest potential, contractual protections, and access rules fit the life you are planning.
Growth potential. Protection from market declines.
Interest credited to your fixed indexed annuity stays in the contract and can earn additional interest over time—the benefit of compounding. Your principal and credited interest are protected from losses caused by market declines.
Protection applies to market declines; withdrawals and applicable charges can reduce contract value.
How do you balance growth, predictability, and access?
A fixed indexed annuity is an insurance contract designed for long-term savings. It offers interest potential based partly on changes in a market index, subject to a contract formula. You do not buy shares or receive the index’s full return.
Understand how interest is credited.
A cap limits the credit you can receive; a participation rate determines how much of an index change counts. A spread may also reduce the calculated credit. Crediting periods and renewal terms matter, and some terms can change within contractual limits.
Negative index performance does not produce a negative indexed interest credit in a fixed indexed annuity. That does not mean the amount available to you can never fall: withdrawals, surrender charges, market value adjustments, and optional benefit charges may reduce it.
Which part of your savings has a long-term job?
Consider what needs to stay available for emergencies and near-term expenses. An annuity’s withdrawal rules and surrender period should fit the purpose of the money.
Questions worth exploring together.
- What is guaranteed, and what can change?
- How do caps, participation rates, and crediting periods affect potential interest?
- When could I access funds, and what charges or adjustments might apply?
- Are income benefits included or optional, and what do they cost?
- How do beneficiary options fit my family’s needs?
- How is the producer compensated, and what alternatives should I compare?
Different annuities serve different needs.
A traditional fixed-rate annuity credits a stated rate for a specified period. A fixed indexed annuity uses index-linked crediting rules. Neither is a direct investment in the stock market. Amanda can walk through benefits, costs, risks, and alternatives so you can consider what fits your goals.
Guarantees depend on the issuing insurer’s claims-paying ability. Earnings are generally taxable when withdrawn; an IRA annuity adds no extra tax deferral. Withdrawals before age 59½ may incur an additional federal tax penalty. Product terms and availability vary.
Further reading: Investor.gov: Understanding annuities ↗
A more confident next chapter
starts with a conversation.
Bring your questions. Explore your options. Take the next step at your pace.