Fixed Indexed Annuities (FIA)
Explore how this solution works, why someone may consider it, and the policy or contract details worth understanding before making a decision.
Make A Change.What it is
An insurance contract that may earn interest using a formula linked to a market index and can offer options for creating retirement income.
Why someone may consider it
Often explored for retirement preparation by those seeking a balance: protection from market downturns combined with an opportunity for interest-linked growth and options for lifetime income.
Key features
The contract value is not directly invested in the index. Interest credits may be limited by caps, participation rates, spreads, or other terms, and optional income riders may be available at added cost.
Important things to understand
FIAs are long-term insurance contracts and may include surrender charges, withdrawal limits, tax considerations, and market value adjustments. Contract guarantees depend on the issuing company’s claims-paying ability.
Watch & Learn
A brief video explanation is coming soon.