Fixed-Indexed Annuities (FIA)
Asymmetric index growth. Link your credited interest to benchmark indices while contractually eliminating market downside risk.
Zero Downside Loss
Your principal is never invested directly in market equities. In years where the underlying index finishes negative, your credited interest is exactly 0.00%.
Locked-In Gains
Interest credited to your account is permanently locked at the end of each indexing period. It becomes your new principal baseline that can never be lost to subsequent market crashes.
Guaranteed Income
Optional Guaranteed Lifetime Withdrawal Benefits create a predictable paycheck for life, even if your underlying account balance reaches zero due to longevity.
Model an FIA Index Allocation
Evaluate custom S&P 500 participation rates and lifetime income riders.