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Fixed Indexed Annuity

Annuities → Fixed Indexed Annuity

Fixed Indexed Annuity (FIA): Growth Potential with Downside Protection

A fixed indexed annuity is designed for people who want to protect principal while keeping the potential for growth tied to an index (like the S&P 500) without direct market participation.

Key benefits

  • Principal protection (subject to contract guarantees)
  • Tax-deferred growth
  • Index-linked crediting strategies
  • Optional income riders for lifetime income (if available and suitable)

Where it can fit in retirement income planning

FIAs can help support a guaranteed income strategy when you pair them with a lifetime income rider or other income provisions. They can also complement bond-like allocations when rates are uncertain.

Request a Retirement Income Analysis to see how a fixed indexed annuity could support your income plan. We match you with a fully licensed advisor who specializes in retirement income strategies.

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Annuity returns & suitability are based on age

This page is for informational purposes only and does not constitute tax, legal, or investment advice. Advisory services are provided by properly licensed financial professionals. Guarantees, if applicable, are backed by the financial strength and claims-paying ability of the issuing insurance company.