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Home > Fixed/Equity-Indexed Annuities

Compare Fixed/Equity-Indexed Annuities

Annuity FYI performs extensive due diligence in researching fixed-indexed annuities (also sometimes referred to as equity-indexed annuities), and utilizes ratings from two third-party research firms.

Before investing in a fixed-indexed annuity, read “Fixed-Indexed Annuities: Questions to Ask Before Purchasing”, as well as our archived article “Take Care When Buying Equity-indexed Annuities.”

What is a fixed-indexed annuity?
Criteria for evaluating these annuities/riders.
For financial strength ratings on companies below, click here.

Guaranteed Minimum Income Benefit Riders

Company & Product Name Click below to order a free info kit!	Index	Guaranteed Principal Amount What’s this?	Index Crediting Method What’s this?	Surrender Period What’s this?
The following fixed-indexed annuities are considered by Annuity FYI to be worthy of investment consideration based on our own due diligence, as well as on the ratings from two independent third-party research firms.
Index 5 / 7 investors kit or call 866-223-2121	S&P 500® Details	Index 5: 2% on 100% of principal (less withdrawals) Index 7: 3% on 100% of principal (less withdrawals)	Monthly averaging with a spread Annual point-point with a participation rate Annual point-point with a cap Fixed interest	Index 5: 5 years: 9%, 8, 7, 6, 5% Index 7: 7 years: 9%, 8, 7, 6, 5, 4, 3%
ING Secure Index Five Annuity investors kit or call 866-223-2121	S&P 500® Disclosures	1.5% on 100% of premium less withdrawals, surrender charges, and premium taxes, if any	Monthly averaging with a spread Annual point-point with a participation rate Annual point-point with a cap Fixed account Monthly cap	5 years: 8%, 7.5, 6.5, 5.5, 4.5%
ING Envoy Three Annuity investors kit or call 866-223-2121	S&P 500® Dow Jones EURO STOXX 50 Disclosures	1.5% on 100% of premium less withdrawals, surrender charges, and premium taxes, if any	Annual point-point with a participation rate Annual point-point with a cap Fixed interest	9 years: 9%, 9, 9, 9, 8, 7, 6, 5, 4%
OptiChoice 5 investors kit or call 866-223-2121	S&P 500®	1.25% on 100% of principal (less withdrawals) for the 1st 5 years	1-year point-to-point 1-year monthly cap 1-year monthly average with spread fixed account	5 years: 9%, 8, 7, 6, 5%
The following fixed-indexed annuities are popular in the industry, but Annuity FYI believes that they do not represent the best annuity investments. We include them here for comparison purposes -- we are not recommending them.
Market Power Bonus investors kit or call 866-223-2121	S&P 500®	87.5% compounded at 3% +10% first-year bonus	one year point-to-point two-year monthly averaging annual reset daily averaging w/ cap fixed account	Long surrender period: 14 years: 20%, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2%
Endurance 15 investors kit or call 866-223-2121	S&P 500® Nasdaq 100® FTSE 100 index Blended index	90% compounded at 1.5 - 3%	Annual point-to-point with annual reset Monthly sum with annual reset	10 years: 9.10%, 8.19, 7.28, 6.37, 5.46, 4.55, 5, 3.64, 2.73, 1.82, .91%
Master Dex 10 investors kit or call 866-223-2121	S&P 500® Nasdaq 100®	87.5% compounded at 1.5% + 10% bonus	monthly cap	To recieve the annuitization value, the contract must be held in deferral for a minimum of five years, and annuity payments must be taken over a minimum of ten years. If this requirement is not met, you will receive your contract's cash surrender value, which will result in a loss of bonus, indexed interest, fixed interest, and a partial loss of principal

Updated: 10/16/08. Reviewed 10/08/08.