Indexed Annuities

Maximizing asset growth and future income, while also protecting them, may seem impossible when today’s markets are so uncertain. An indexed annuity may help you deliver the right balance.

Why an indexed annuity?

Adding an indexed annuity to your client’s overall retirement strategy is an efficient way to provide higher growth potential than a fixed interest solution and sometimes offers added benefits like guaranteed lifetime income.

Fixed and index-linked growth options

Indexed annuities may offer both fixed and indexed-linked crediting strategies to fuel asset growth, allowing clients to diversify a growth strategy that meets their needs.

No investment  option fees

Unlike a variable annuity, there are no fees associated with the interest crediting strategies available with an indexed annuity.

Protected lifetime income benefits

Some indexed annuities may offer protected lifetime income benefits that deliver a reliable stream of retirement income that your clients can’t outlive.

Legacy planning options

Many indexed annuities offer death benefit options that can help clients avoid the complications of taxes and delays associated with probate.

How indexed annuities can help provide protected growth

With a choice of interest crediting options, clients can create a strategy that fits their objectives. There are two ways an indexed annuity might credit interest. The first type is a guaranteed fixed rate of interest. The second type is credited based on the upside performance of a market index, subject to either a rate cap or participation rate. In either case, the contract will not credit less than 0%.

Graphic showing how indexed annuities can provide protected growth.

Consider an indexed annuity for a client who:

Is focused on protecting their retirement savings
Wants higher growth opportunities than traditional fixed interest solutions offer
Is concerned about outliving their income
Wants the flexibility to adjust their plans in the future