Fixed Index Annuities

Re-think Your Retirement

Fixed Index Annuities can help you accumulate money for retirement and provide guaranteed income after you retire.

A Fixed Index Annuity gives you the opportunity to earn indexed interest, but don't want to risk losing money in the market.

What is a Fixed Index Annuity?

A Fixed Index Annuity is a contract between you and an insurance company. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future.

Fixed Index Annuities are a tax-deferred, long-term savings option that provides principal protection in a down market and has a great opportunity for growth.

While the benchmark index does follow the market, your money is never directly exposed to the stock market.

Fixed Index Annuities are designed for long-term retirement goals. It's important to note that withdrawals are subject to income tax and withdrawals made before the age of 59 1/2 could be subject to a 10% early withdrawal federal tax penalty.

How Does it Work?

A Fixed Index Annuity usually has two phases: Accumulation and Distribution:

• Accumulation Phase begins as soon as you purchase your annuity. Your annuity can earn a fixed rate of interest that is guaranteed by the insurance company or an interest rate based on growth of an external index.

• Distribution Phase begins when you choose to receive income payments. You can choose from several different payout options based on your personal needs, including guaranteed lifetime income.



The Benefits

• Principal protection from market downturns
• Tax-deferred growth potential
• One or more index allocation options
• A choice of crediting methods
• Income options, including income for life
• Death benefit options