Fixed Indexed Annuities

Protected income. Market-linked growth. Retirement confidence.

A Fixed Indexed Annuity is designed for people who want growth potential tied to the market without risking their principal. It offers a balance between safety and opportunity, making it a popular option for retirement planning.

If protecting your savings matters just as much as growing them, this is worth understanding.

Why people choose FIA's

Guaranteed income options you can’t outlive
Protection from market downturns
Tax-deferred growth on your savings

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What is a Fixed Indexed Annuity?

A Fixed Indexed Annuity allows your money to grow based on the performance of a market index, while protecting your principal from market losses.

Your money is not directly invested in the stock market. Instead, your annuity earns interest based on how an index performs, up to a set limit. When the market goes up, you can earn interest. When the market goes down, your account value does not lose money due to market declines.

This structure provides peace of mind during volatile markets while still offering growth potential.

Common Questions

Are FIAs safe?

Yes. Fixed Indexed Annuities are issued by insurance companies and designed to protect principal from market loss. Guarantees are backed by the issuing carrier.

Can I lose money?

You cannot lose money due to market downturns. Withdrawals above contract limits or surrendering early may result in charges, depending on the policy.

Are FIAs liquid?

Most FIAs allow penalty-free withdrawals up to a certain percentage each year. They are best used as part of a long-term retirement strategy.

Are FIAs only for retirees?

They are commonly used by people approaching or in retirement, but can also be appropriate for those planning ahead who want stability.

Who is Fixed Indexed Annuity Best For?

People nearing retirement who want stability
Those concerned about market volatility
Individuals seeking guaranteed lifetime income
Anyone looking to protect retirement savings from loss

Quick FIA Application

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Are you currently retired? *

When do you plan to retire? *

Approximate amount you’re considering repositioning *

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Why People Use FIA's in Retirement

Guaranteed Income You Can’t Outlive

One of the biggest advantages of a Fixed Indexed Annuity is the option to create guaranteed lifetime income. This means you can receive a predictable income stream for as long as you live, regardless of market conditions.

Principal Protection

Your initial investment is protected from market losses. Even during major market downturns, your annuity value will not decrease due to negative market performance.

Tax-Deferred Growth

Earnings inside the annuity grow tax-deferred. You don’t pay taxes on gains until you take income or withdrawals, allowing your money to compound more efficiently over time.

Market Participation Without Market Risk

You participate in market gains through index-based interest crediting, without owning stocks or mutual funds. This removes emotional decision-making and reduces exposure to market volatility.

Eliminate Market Losses

FIAs typically include a zero percent floor. If the index is negative during a crediting period, your return for that period is zero, not negative. You don’t lose what you’ve already earned.

Protection From Sequence-of-Returns Risk

Market losses early in retirement can be devastating. Fixed Indexed Annuities help reduce this risk by removing downside exposure while providing a reliable income option.

No Annual Contribution Limits

Unlike many retirement accounts, there are no IRS contribution caps on annuities. This makes FIAs attractive for individuals who have already maxed out other retirement vehicles.

Predictable Planning

Because your principal is protected and income options are defined, FIAs help bring clarity and predictability to retirement planning.

Ready to see if FIA makes sense for you?

Every retirement plan is different. A Fixed Indexed Annuity may or may not be the right fit, depending on your timeline, income needs, and overall strategy. Schedule a call below and we’ll walk through your options, answer your questions, and determine whether an FIA belongs in your retirement plan.

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