Fixed Indexed Annuities

A Fixed Indexed Annuity is a contract with an insurance company that provides tax-deferred growth and guarantees against market loss. Interest credited is linked to the performance of a market index (like the S&P 500®), with a floor that protects clients from negative returns.

• Pre-retirees seeking growth potential with downside protection
• Clients looking for lifetime income options to supplement retirement savings
• Risk-averse investors who don’t want market losses but need more growth than CDs or bonds typically offer
• Individuals interested in tax-deferred accumulation outside traditional retirement accounts

Advisors often use FIAs to:

• Protect principal while still participating in market-linked growth
• Diversify retirement strategies with guarantees plus upside potential
• Provide lifetime income through optional income riders
• Bridge the gap for clients who need stability but still want growth

• “Would you like growth potential with no risk of losing your principal?”
• “How important is it to have predictable retirement income you can’t outlive?”
• “Would an option that balances safety with opportunity fit your retirement plan?”