Fixed Indexed Annuities

My priority is helping you choose a plan that fits your life, budget, and goals

Fixed Indexed Annuities (FIAs) are insurance products designed to help individuals grow retirement savings while protecting against market losses. They offer a unique combination of principal protection, growth potential linked to a market index, and the option for guaranteed income in retirement.

Unlike traditional fixed annuities that offer a set interest rate, FIAs credit interest based in part on the performance of a stock market index (such as the S&P 500®). While you can benefit from market gains up to a certain cap, your principal is protected from losses if the index goes down. This makes FIAs a popular option for those seeking a middle ground between risk and safety.

Common reasons people choose FIAs include:

• Seeking predictable income during retirement
• Wanting protection from market downturns
• Looking for tax-deferred growth
• Hoping to supplement Social Security or pension income

How Fixed Indexed Annuities Work

When you purchase an FIA, your money is allocated to an account where the interest credited is tied to a chosen market index. However, your funds are not directly invested in the stock market. The insurance company calculates interest based on the index's performance, using tools like caps (maximum interest you can earn), participation rates (percentage of the index gain credited to you), and spreads/margins (an amount deducted before crediting interest).

• Principal Protection: Even if the index drops, your account value won’t lose principal due to market performance.
• Growth Potential: Earn interest when the index performs well, up to policy limits.
• Tax Deferral: Interest grows tax-deferred until withdrawals begin.

Key Benefits of FIAs

Protection + Growth Balance
FIAs give you the security of knowing your principal is safe while still offering the chance for higher returns than traditional fixed interest products.

Lifetime Income Options
Many FIAs offer riders that can turn your account into a guaranteed income stream for life — helping ensure you never outlive your savings.



Customization
Choose from different crediting strategies and riders to fit your risk tolerance, income goals, and retirement timeline.

Things to Consider Before Purchasing

When selecting a life insurance policy, consider the following:

Budget: Assess your ability to afford premiums both now and in the future

Coverage Needs: Calculate the amount of coverage required to meet your family’s financial needs

Financial Goals: Determine whether you need temporary coverage (term) or lifelong protection (permanent)

Health & Age: Younger, healthier individuals typically qualify for lower premiums, so it’s an opportune time to invest 

Investment Preferences: If you want to build savings or invest, explore policies with cash value components