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Explore the Benefits of Annuities
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We offer annuity solutions through trusted insurance providers
Our annuities offer a range of features designed to help you accumulate assets, receive income, address long-term care needs, and plan for the transfer of wealth.
Is There a Gap in Your Retirement Plan?
An annuity might be the solution.
Annuities can provide a source of guaranteed income in retirement, help cover basic expenses, support your financial goals, and assist with legacy planning. Learn more about the annuity options available to you.
Fixed Indexed Annuities
Looking for Growth Potential with Protection from Market Downturns?
A fixed index annuity (FIA) lets your money grow based on a market index, without the risk of losing value due to market declines. Some FIAs also offer guaranteed income for life with certain riders or contract options
How to maximize growth opportunities while safeguarding against Losses
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A fixed index annuity (FIA) provides interest crediting strategies designed to help your contract value grow over time. These strategies generally include a fixed interest option and one or more index-linked interest crediting options.
With either approach, your funds are not directly invested in the stock market or any index, meaning your contract is not subject to market losses due to index performance.
Interest credits, if any, are determined by the specific terms of the crediting strategy selected. Your financial professional can help you evaluate these options and determine which aligns best with your financial goals.
Below is a summary of the two primary interest crediting methods commonly offered in many fixed index annuities.
FIXED ANNUITIES (FA)
A fixed interest rate crediting strategy for growth
A fixed annuity offers a guaranteed interest crediting rate for a specified period, as outlined in the contract. This strategy provides predictable growth without exposure to market risk
FIXED INDEXED ANNUITIES (FIA)
An index-based strategy for greater growth potential
FIAs offer potential interest credits based on the performance of a market index, like the S&P 500®, without direct market investment. Interest credits are subject to caps, spreads, or participation rates, and your principal is protected from market losses.
Insurance Disclosure
Guarantees are backed by the claims-paying ability of the issuing insurance company.
FIAs are not direct investments in an index or the stock market.