Grow your retirement savings with market-linked interest — while keeping your principal 100% protected from market losses. The best of both worlds.
Earn interest tied to a stock market index like the S&P 500 — without direct market exposure.
Your principal is protected from market downturns. You never lose money due to market losses.
Your money grows tax-deferred, meaning you don't pay taxes until you withdraw funds in retirement.
Optional riders can provide guaranteed lifetime income — a paycheck you can't outlive.
A Fixed Indexed Annuity (FIA) is an insurance product that earns interest based on the performance of a market index, while protecting your principal from losses. It's a safe middle ground between a fixed annuity and a variable annuity.
Your principal is protected by the insurance company. Even if the market index drops, your account value cannot go below zero due to market losses. A floor of 0% is guaranteed.
Most FIAs allow penalty-free withdrawals of up to 10% per year after the first year. Full surrender may incur charges during the surrender period, typically 5–10 years.
FIAs are ideal for pre-retirees and retirees who want growth potential without stock market risk, and who want a guaranteed income stream they cannot outlive.
Glenn will compare top FIA products from 19 carriers and find the right fit for your retirement goals — at no cost to you.