What is a fixed indexed annuity?

A fixed indexed annuity offers growth potential based on the performance of an index or indices.

Fixed indexed annuities provide a source of guaranteed income that balances growth potential and protection.

A fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity, but with less risk and less potential return than a variable annuity.

Returns are based on the performance of an underlying index, such as the S&P 500® Composite Stock Price Index. While the benchmark index does follow the market, as an investor, your money is never directly exposed to the stock market.

Fixed indexed annuities provide a source of guaranteed income that balances growth potential and protection.

A fixed indexed annuity offers growth potential based on the performance of an index or indices.

Protection from negative returns

The money you place into your fixed indexed annuity and any earnings credited to you will not be lost due to a negative market.

Opportunity for growth

Your money can grow based on the performance of an index or indices.

Options to fit your needs

Some fixed indexed annuities offer optional riders such as living benefit riders for guaranteed lifetime income or enhanced death benefits to aid with legacy planning.

Tax advantages

The value of your annuity grows tax free, meaning you won’t pay taxes on any growth until you make a withdrawal.

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