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What is a Fixed-Indexed Annuity?

A fixed-indexed annuity is a type of annuity that grows at the greater of a) an annual, guaranteed minimum rate of return; or b) the return from a specified stock market index (such as the S&P 500®), reduced by certain expenses and formulas. At the time the contract is opened, a term is chosen, which is the number of years until the principal is guaranteed and the surrender period is finished.

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ANNUITY FYI’S TOP INCOME FIAs

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athene Ascent 10 Bonus 2.0
Security benefit logo Secure Income Annuity
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ANNUITY FYI’S TOP GROWTH FIAs

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North American PrimePath 12
Guggenheim / Highlander Highlander
Nationwide logo New Heights
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FROM OUR BLOG

Fixed Annuities Help Reduce Bull Market Risk

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Symetra Jumps on the Fee-Based FIA Train

The fee-based fixed indexed annuity trend rolls on as Symetra Life Insurance announces the launch of Symetra Advisory Edge and …

The Future of the Annuity Industry

The annuity industry is evolving with the times, and according to a recent article from InsuranceNewsNet, retail life and annuity …

ARTICLES & GUIDES

Hard Facts about Soaring FIA Sales

Hard Facts about Soaring FIA Sales

The bottom line is that the purchase of an FIA may make sense, with or without a lifetime ….

Fixed Indexed Annuities Are Fine

Fixed Indexed Annuities Are Fine – But Can Be Even Better if You Tinker Around the Edges

As we have said before on Annuity FYI, fixed indexed annuities (FIAs) are hot sellers, and ….

Fixed Indexed Annuities are Hot

Fixed Indexed Annuities are Hot

There is something special about a particular type of annuity you may or may not have heard of….

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If It Ain’t Fixed Indexed, It’s Broken

Fixed indexed annuities remain a niche product, representing only about 10% of annuity sales. But that the niche…

We Love Fixed Indexed Annuities / We Hate Fixed Indexed Annuities

We Love Fixed Indexed Annuities / We Hate Fixed Indexed Annuities

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How to Create A Pension Fund for Your Family Using Fixed-Indexed Annuities

How to Create A Pension Fund for Your Family Using Fixed-Indexed Annuities

The corporate pension plan is an endangered species, and is becoming more and more rare.For many retirees…

Fixed Index Annuities Getting a Fresh Look

Fixed Index Annuities Getting a Fresh Look

More Investors Are Turning to FIAs to Protect and Grow a Part of Their Retirement Nest Egg…

Annuity Warning #5: Fixed-Indexed Annuities

Annuity Warning #5: Fixed-Indexed Annuities

Most fixed-indexed annuities limit interest crediting with the participation rate. For instance, the insurance…

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Just wanted to compliment you on your balanced presentation of equity-indexed annuities, in particular how you highlight ones that may be worth exploring, as well as those you think are a terrible deal for the consumer. Your warnings against these equity-indexed products are very refreshing. I’ve not seen that before. Thanks you for your honesty!

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I really appreciate your friendly staff and valuable feedback on my annuity. You were the first group that actually helped me understand what I owned and didn’t try to sell me something but in turn educated me how to get the most out of my current annuity.

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