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Fixed Index Annuity (FIA)

Guaranteed Growth, Protection, and Lifetime Income

A Fixed Index Annuity (FIA) offers a powerful way to secure your financial future by providing both growth potential and protection from market downturns. Designed for those planning for retirement, an FIA allows you to benefit from the performance of a market index—like the S&P 500—without the risk of losing your principal during market drops. It combines safe growth with guaranteed lifetime income, making it a reliable tool for long-term financial security.

How a Fixed Index Annuity Works

Market-Linked Growth:

Your annuity’s value grows based on the performance of a selected market index, such as the S&P 500. However, with an FIA, your gains are credited without directly investing in the market, ensuring that your principal is always protected.


Protection from Market Losses:

In years when the market performs poorly, your annuity’s value won’t decrease. You are guaranteed a minimum return or a floor rate, ensuring that market downturns won’t impact your savings.


Tax-Deferred Growth:

Earnings within your FIA grow tax-deferred, meaning you won’t pay taxes until you withdraw your funds, potentially boosting your savings over time.


Lifetime Income Guarantee: Financial Peace of Mind

One of the key benefits of a Fixed Index Annuity is the lifetime income rider. This feature ensures that you’ll never run out of income, no matter how long you live. After the accumulation phase, you can convert your savings into a guaranteed stream of income for life. Whether you choose immediate or deferred payments, the lifetime income rider provides the peace of mind that your essential expenses will be covered for as long as you live.


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Benefits of a Fixed Index Annuity

  • Do who want a Guaranteed Lifetime Income?
  • Do you want to Protect Your Income from Market Shocks?
  • Do you want to Benefit from Extra Growth Potential? 
  • Do you want to Earn Quickly by Deferring Your Taxes?
  • Do you want to Enjoy Flexible Payout? Options 

Guaranteed Lifetime Income – You receive income for life, ensuring stability and peace of mind throughout retirement.


Protection from Market Losses – Your principal is safeguarded, and your value won’t drop due to poor market performance.


Growth Potential – Benefit from market index-linked growth, with a cap or participation rate.


Tax-Deferred Savings – Grow your funds faster without immediate taxation on earnings.


Flexible Payout Options – Choose between single or joint lifetime income for you and your spouse.


Is a Fixed Index Annuity Right for You?


If you’re looking for a way to grow your savings, protect your principal, and secure guaranteed income for life, a Fixed Index Annuity could be the right choice. It’s ideal for individuals nearing retirement who want predictable income, market protection, and the ability to grow their savings without taking unnecessary risks.


Plan for a Worry-Free Retirement Today!

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Don't leave your retirement to chance, it is best to be prepared.

FOR STABILITY

A Fixed Index Annuity can provide the financial stability you need, with lifetime income you can count on.

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Contact us today to find out how an FIA can help you secure guaranteed income, protect your savings, and enjoy a worry-free retirement!

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