Fixed Index Annuities • 6-min overview
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Retirement & Income Planning

Growth Potential with Downside Protection

Learn how an FIA can protect principal from market losses while offering index-linked credits and optional lifetime income—so you can retire with confidence.

Book a 15-Minute Consult
Watch 6 minute overview

6-minute overview • Educational only • No cost

How it works

Principal protection with index-linked credits

Your money isn’t invested in the market. Interest credits are tied to an external index and limited by caps, participation rates, or spreads. Down years generally credit 0%, not negative.

  • 1Choose index options (traditional & volatility-managed)
  • 2Annual point-to-point is common; others exist
  • 30% floor helps reduce sequence-of-returns risk
  • 4Optional income rider can create lifetime income (fee applies)

Quick snapshot

  • Pros: Principal protection, tax-deferred growth, optional lifetime income
  • Trade-offs: Limited upside, surrender charges, rider costs, complexity
  • Fit: Conservative to moderate investors; pre-retirees/retirees seeking stability

Guarantees depend on the claims-paying ability of the insurer. Not investment advice.

Interactive

Explore the mechanics in minutes

These demos are educational and simplified—actual contracts vary. Results are hypothetical and not guarantees.

Index Crediting Simulator

Credited interest: –

Income Rider Paycheck Estimator

Estimated lifetime income: –

Sequence-of-Returns Visualizer

Total: Index 0.0% | FIA-style 0.0%

Free guide

Download the FIA Starter Guide & start your comparison

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What’s inside

  • How FIAs credit interest (with examples)
  • Caps, participation, spreads—what they mean
  • Income riders: when they make sense
  • Costs, surrender schedules & taxes
  • Checklist: questions to ask before you buy

Educational only. Guarantees are subject to the insurer’s claims-paying ability.

Download the Guide (PDF)

Schedule

Pick the consult that fits you best

We’ll review current rates, compare options, and see if an FIA aligns with your retirement plan.

 
 
 

FAQ

Common questions about FIAs

Do FIAs invest my money in the stock market?
No. Your money isn’t invested in the market. Interest credits are tied to index performance and limited by caps, participation rates, or spreads.

Can I access my money?
Liquidity is limited by surrender schedules, but many contracts allow annual free withdrawals (often up to 10%). Verify each carrier’s rules.

How do lifetime income riders work?
They use a separate “benefit base” to calculate guaranteed lifetime income. Riders usually have an annual fee and specific start rules.
Disclosures: Fixed Index Annuities are long-term insurance products. Guarantees are subject to the claims-paying ability of the issuing insurer. Interest credits are tied to index performance and are subject to caps, participation rates, and/or spreads and will vary by product and over time. You do not directly participate in any index. Surrender charges and a Market Value Adjustment may apply to early withdrawals. Optional riders typically involve additional cost. This page is educational and not individualized financial, tax, or legal advice. Consult your own professionals.

Ready to see if an FIA fits your plan?

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We can help you make the most of what you have!

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