Stable Consistent Growth
And Income Options Guaranteed
Fully Protected Here.
Secure Benefits of Your Fixed Index Annuity Here
- They provide insured security in Protecting your Principal investment
- They stabilize future planning through predictable indexed earnings
- They offer tax advantages such as tax deferred growth
- They provide growth accumulation and lifetime income options
- They allow for annual distribution limits to be eliminated as long as they are flexible premium FIAs
- There is a guaranteed death benefit for your beneficiaries (estate planning solution, does have certain conditions though)
- There are zero penalties for mandatory distributions at age 70.5
- They give you the option of receiving a guaranteed income for life, called annualization
- They may offer a guaranteed income rider benefit (also called a guaranteed minimum income benefit (GMIB)) for life without having to annuitize
- They may avoid probate
- Now that feeling of peacefully calm investing here, comes from confidence.
What exactly is a Fixed Index Annuity?
Like other annuities, a fixed index annuity is an insurance contract you own. It’s a fixed annuity which earns interest or provides benefits linked to the performance of an equity index. Examples of indices are the S&P 500®, the NASDAQ®, or the Dow Jones Industrial®. Understand for clarification, fixed annuities do not directly participate in any financial markets.
The value of the index could be tied to a stock index or another index here. When the index records a positive change, interest is credited to your annuity’s account value. The interest rate is calculated using a formula based on the linked index changes. It also comes with a minimum guaranteed interest rate so your principal stated fully protected here truly avoiding and eliminating the downturns of a negative returns… making that statement “Zero is Your Hero!!” more true than ever before today!
Recap
A fixed index annuity is a contract between you and an insurance company. You pay premiums and the issuer promises to make periodic payments to you in the future. Premium payments can be made in one lump-sump or in installments over time.
More stability because of… Safer financial instruments than the stock market.
Fixed index annuities allow You to keep your well-earned money protected while enjoying tax-deferred growth for your money based on a underlying index benchmark.
Via a fixed indexed annuity:
- Ability to take advantage of upswings through index-linked growth
- Guaranteed income options including for Life-Time Income Options
- Protection of principal and interest with the higher growth potential
Indexing Method: Method used to measure the amount of index change. These methods include:
- Annual Reset (Ratcheting)
- High Watermark
- High Water w/Look-back
- Short-Term Point-to-Point
- Long-Term Point-to-Point
- Monthly Average
- Daily Average
- Monthly Cap
- And others.
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Fixed Index Annuity vs Variable Annuity
