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Fixed Index Annuities: Protect Your Principal and Secure Lifetime Income
Discover a retirement solution that combines the safety of principal protection with the potential for market-linked growth, plus lifetime income options.
What Is a Fixed Index Annuity?
A fixed index annuity is a sophisticated retirement product designed to protect your principal from market losses while offering growth potential. Unlike traditional investments, your money isn't directly exposed to market volatility.
These annuities link potential growth to stock market indices like the S&P 500, combining the safety of fixed annuities with opportunities tied to market performance. You get upside potential without the downside risk.
How Fixed Index Annuities Work: The Best of Both Worlds
Tax-Deferred Growth
Your money grows without current taxation, allowing compound growth to work more effectively for your retirement.
Floor Protection
Interest credited based on positive index performance but never less than zero — your principal stays protected even when markets decline.
Capped Participation
Growth subject to caps or participation rates that limit upside but provide valuable downside protection for peace of mind.
The Two Phases: Accumulation and Income
Accumulation Phase
Build your retirement savings with potential for growth while maintaining principal protection. Watch your nest egg grow safely over time.
Income Phase
Convert accumulated savings into a guaranteed stream of income that can last your entire lifetime. Optional riders enhance guarantees for couples.
Why Choose a Fixed Index Annuity?
Market Protection
Protect your nest egg from market downturns while still participating in market gains when indices perform well.
Reliable Income
Create a dependable "retirement paycheck" to cover essential expenses and maintain your lifestyle throughout retirement.
Legacy Benefits
Leave a meaningful legacy with death benefits that can efficiently pass assets to your beneficiaries.
Real-World Benefits and Considerations
54%
Americans Worried
Over half worry about outliving their savings — FIAs offer peace of mind
  • Earnings may be limited by contract features like caps and participation rates
  • Surrender charges may apply for early withdrawals
  • Designed specifically for long-term retirement planning
Common Index Crediting Methods Explained
01
Annual Point-to-Point
Interest calculated based on index change from the start to end of each contract year, capturing full annual performance.
02
Monthly Average
Smooths market volatility by averaging monthly index values throughout the year for more stable returns.
03
Monthly Sum
Adds monthly capped gains together for total annual credit, allowing multiple opportunities for positive returns.

Averaging features help balance risk and reward over time, providing more predictable growth patterns.
Meet the Experts and Trusted Providers
Major Insurers
Protective Life, Allianz, Jackson National, and Athene offer FIAs with strong financial ratings and proven track records.
Financial Strength
All guarantees are backed by the claims-paying ability of highly-rated issuing insurance companies.
Expert Guidance
Personalized guidance from annuity specialists helps tailor options to your specific retirement goals and timeline.
Who Should Consider a Fixed Index Annuity?
Growth with Protection Seekers
Individuals wanting growth potential while maintaining absolute principal protection from market downturns.
Income Security Planners
Those wanting guaranteed lifetime income to supplement Social Security and pensions for complete retirement security.
Risk-Conscious Retirees
Retirees looking to diversify portfolios and reduce exposure to market volatility while maintaining growth opportunities.
Legacy Builders
Anyone planning for long-term financial security and efficient wealth transfer to the next generation.
Ready to Secure Your Retirement Income?
Explore annuity options today to find the right fixed index annuity for your future. Take the first step toward guaranteed retirement security.