See how a fixed indexed annuity could protect your principal, grow with the market and pay you an income for life. Get your free guide and a side-by-side quote.
Your money is not invested in the market directly. When the index falls, your credited interest is 0%, not a loss.
Interest is credited based on an index like the S&P 500, up to a cap or participation rate.
Optional income riders can turn your annuity into a paycheck you can't outlive.
A fixed indexed annuity (FIA) is a contract with an insurance company. You deposit money, it grows tax-deferred, and the interest you earn is tied to a market index. You get part of the upside, none of the downside, and guarantees backed by the insurer.
Quotes vary a lot from carrier to carrier. Caps, participation rates, surrender periods and income rider payouts are all different, and they change often. That's why we compare carriers side by side for your age, state and goals instead of pushing one product.
A fixed indexed annuity credits interest between a floor and a cap. Enter a deposit and a cap from a real quote to see the range: every year at the cap, or every year at the 0% floor.
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A fixed indexed annuity is an insurance contract that credits interest based on a market index, with a floor (often 0%) so index losses don't reduce your account value.
Index losses aren't credited to your account, but surrender charges apply if you withdraw more than the free amount early, and optional riders can have fees.
Each carrier sets caps and participation rates, and they can change at renewal. Comparing several carriers is the best way to find strong terms.
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