A retirement savings vehicle that grows your money with the market — while guaranteeing your principal is always protected. Create income you can never outlive.
A Fixed Indexed Annuity (FIA) is a retirement savings contract issued by an insurance company that combines the safety of a fixed annuity with the growth potential of a market index. You fund the annuity with a lump sum or series of payments, and your money grows based on the performance of an index — such as the S&P 500 — without ever being directly invested in the market.
Your principal is completely protected from market losses. In years when the index rises, your account is credited with a portion of those gains. In down years, you simply receive 0% — your balance never goes backward. Over time, the annuity can provide a powerful, predictable foundation for retirement income that you cannot outlive.
Your original deposit is fully protected from market losses. No matter what the market does, you will never lose the money you put in.
Earn interest tied to market index performance (like the S&P 500) during positive years — giving you upside potential without direct market exposure.
With an income rider, you can activate a guaranteed income stream that pays you for as long as you live — even if your account value reaches zero.
Your annuity grows tax-deferred during the accumulation phase, meaning you pay no taxes on gains until you take distributions — maximizing compounding.
Enhance your annuity with optional riders — income riders for guaranteed payouts, long-term care riders, or enhanced death benefit riders for heirs.
Any remaining account value passes to your named beneficiaries, making FIAs an effective tool in estate planning alongside your other assets.
A FIA has two distinct phases — accumulation and distribution — each designed to maximize your retirement security.
You make a lump sum deposit or series of payments. This becomes your protected principal — the baseline that never decreases.
Your money grows based on annual index performance. Gains are locked in each year — you keep all gains credited so far, even if the market later drops.
We help you select the right indexing strategy — annual point-to-point, monthly averaging, or multi-year — based on your growth objectives.
At retirement, "turn on" your guaranteed income rider. You'll receive regular, predictable payments for the rest of your life.
Any remaining account value passes tax-efficiently to your beneficiaries — so the FIA continues to work even after you're gone.
See how a Fixed Indexed Annuity stacks up against other common retirement vehicles.
| Feature | FIA | CD / Savings | Stock Market | Traditional Annuity |
|---|---|---|---|---|
| Principal Protected | ✓ Yes | ✓ Yes | ✗ No | ✓ Yes |
| Market-Linked Growth | ✓ Yes | ✗ No | ✓ Yes | ✗ No |
| Guaranteed Lifetime Income | ✓ Yes | ✗ No | ✗ No | ✓ Yes |
| Tax-Deferred Growth | ✓ Yes | ✗ No | ✗ No | ✓ Yes |
| Zero Market Loss Risk | ✓ Yes | ✓ Yes | ✗ No | ✓ Yes |
If you're 5–15 years from retirement, a FIA lets you grow your savings safely while locking in gains before you need them.
If market volatility keeps you up at night, a FIA gives you peace of mind — your savings grow without ever going backward.
If you don't have a company pension, a FIA can create your own personal pension — guaranteed monthly income for life.
Rolling over a 401(k) or IRA into a FIA is a tax-neutral move that gives your retirement funds better protection and growth potential.