What Is a Fixed
Indexed Annuity?
A Fixed Indexed Annuity (FIA) is a retirement product designed to protect your money from market losses while giving you the opportunity to earn interest based on the performance of a market index—such as the S&P 500.
Your principal is always protected.
Even if the market drops, your account will not lose value due to market declines.
Key Benefits of Fixed Indexed Annuities
1. 100% Principal Protection
No matter how the stock market performs, your annuity cannot lose money due to market volatility.
2. Upside Growth Potential
Your interest is based on index performance — without ever participating in market losses.
3. Tax-Deferred Growth
Your money grows tax-deferred, meaning you pay no taxes until you withdraw funds.
4. Lifetime Income Options
Add an income rider to create a guaranteed paycheck for life—similar to a personal pension.
5. No Fees (in most base contracts)
Many FIAs come with zero annual fees unless you add optional benefits.
6. Long-Term Care & Enhanced Income Riders
Some carriers offer income multipliers for qualifying long-term care needs.
Who Is a Fixed Indexed Annuity For?
FIAs are ideal for:
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Pre-retirees and retirees (ages 50–80)
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Individuals rolling over a 401(k), 403(b), TSP, or IRA
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People with large cash positions worried about market volatility
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Anyone who wants to grow safely without risking loss
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Clients looking to create a pension-style lifetime income
How FIAs Work
1. Your money is protected from market loss
2. You earn interest based on index performance
3. When the index goes up → your interest is credited
4. When the index goes down → you never lose principal
5. You can turn it into guaranteed income for life
Explore Your Fixed Indexed Annuity Options
Book a retirement review and see which carriers offer the strongest rates, bonuses, and income riders.