Fixed Indexed Annuities (FIAs)
Where protection meets potential
A Fixed Indexed Annuity (FIA) is designed to support retirement goals by offering a blend of stability and growth potential. It provides a guaranteed* minimum return, while also giving you the opportunity to earn more based on the performance of a market index, without being directly exposed to market volatility.
Because your principal isn’t tied to the market itself, you’re protected from losses during market downturns yet still positioned to take advantage of upward trends.
Benefits of a Fixed Indexed Annuity
Principal Protection
Protect against market volatility.
Growth Potential
Earn interest based on the performance of market indices.
Tax-Deferred Growth
Pay no taxes on gains until you withdraw funds.
Guaranteed* Income
Option for lifetime income in retirement.
How does a fixed indexed annuity work?
With a Fixed Indexed Annuity (FIA), money isn’t invested directly in the market. Instead, it earns interest based on the movement of a market index, like the S&P 500®, or through a set fixed rate.
When the index performs positively, interest earnings can increase. If the index declines, your principal is protected and you will never be credited less than 0%, meaning the account value will not go down.
Is a fixed indexed annuity a good idea for me?
If you’re looking to grow your retirement savings with less risk than direct market investments, a fixed indexed annuity could be the right choice for you.
Designed for long-term planning, fixed indexed annuities offer growth potential without exposing your principal to market losses. They can be a great fit for those who value downside protection and want a dependable income stream in retirement.
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WealthChoice Fixed Indexed Annuity
With flexible features and simple product design, WealthChoice helps you safeguard your savings, grow your nest egg, and achieve lasting financial stability, allowing for a more predictable retirement.
Ready To Take the Next Steps?
Talk to your financial professional to learn more about how WealthChoice or Access and Performance could help you prepare for a more predictable retirement.