HH-HW-02-C // Defined Risk Hybrid
Buffered Annuities (RILA)
Registered Index-Linked Annuities. Built for investors seeking higher participation caps on equity growth while maintaining structured downside buffers.
How Downside Buffers Work
A RILA contract absorbs a specified percentage of market losses (typically -10% or -20%).
■ Market Drops -8% → Carrier Absorbs Loss → Account Loss: 0%
■ Market Drops -25% (with -10% Buffer) → Account Loss: -15%
Higher Upside Participation
Because the investor agrees to assume market risk past the buffer threshold, insurance carriers offer significantly higher upside performance caps, enhanced participation rates, or uncapped index options.
*RILAs are long-term insurance contracts and registered securities subject to market risk, including the possible loss of principal past the buffer level. Surrender charges may apply to early withdrawals. Investors should consider investment objectives, risks, charges, and expenses carefully before investing. For a prospectus containing this and other important information, contact our desk. Read it carefully before investing.
Request RILA Buffer Comparison
Audit structured buffer tiers across major national institutions.