Fixed Index Annuities

A Retirement Planning Solution That Makes Dollars and Sense

Don’t believe the annuity “critics” who say FIAs are too expensive, too complicated, and too conservative. Look for yourself and discover why, every year, more retirees are using fixed index annuities to turn a lifetime of paychecks into a retirement of playchecks.

Here’s how it works: When you invest in an FIA, you invest in a legal reserve entity. For every $1 you invest, the insurance company has a minimum of $1.05 in reserves, per state guarantee fund guidelines. Then, rather than passing on a small interest rate, the insurance company puts your money to work in the market so you can “participate” in the gains without any downside risk. Best of all, FIAs reset periodically to lock in earned interest, which means your floor only goes up, never down.

Compared to other investment vehicles and passive income strategies, FIAs offer uncapped growth potential while protecting your principal from market volatility.

• Principal Protection - The money you put in is contractually protected by the full faith and credit of the issuing company. You will never lose a single dollar you invest. Ever.
• Portfolio Diversification - With FIAs, your wealth is safeguarded against down markets, corrections, and crashes. Your money is spread across a wide variety of funds and managed accounts to fully participate in the hottest sectors in the market while maintaining downside protection.
• Return on Investment - Interest rates are guaranteed to never be less than zero, even if the market goes down. Estimated returns are typically between 0% and 15% per year, but earning potential is uncapped and unlimited.
• Guaranteed Income for Life - As far as passive income generators go, few (if any) are as guaranteed or secure as fixed index annuities. Investing in FIAs means you move up and forward with your money, never down and backward. No more sleepless nights worrying if the market will wipe out your retirement income.

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