Services: Annuities

Fixed Indexed Annuities: Indexed Interest Potential

The key to a successful retirement is a flexible long-term financial strategy. One option you may want to consider? Fixed indexed annuities, or FIAs. Financial security and income stability are vital benefits that an FIA can offer you. So, if you’re interested in this option, contact us.

Older couple in retirement enjoying wine at a vineyard while discussing fixed indexed annuities.

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Income Stability

An FIA provides a steady stream of payments, based on the performance of an underlying index. However, purchasing fixed indexed annuities isn’t the same as investing in the stock market. An FIA is protected against principal loss, and is unaffected in the event of a market downturn. This provides you the opportunity to earn a reasonable rate of return** without the risk of losing all your money.

Crediting Method

Another advantage offered by an FIA is that you can choose your crediting method. If you have an annuity, your insurer determines how much indexed interest you will get, based on specific rules and timeframes. It’s possible to choose to have credit applied annually or monthly. Or, some crediting methods use the average value over a given period, while others base their interest on the differences in rates. Yet another one shows the changes in the index since the FIA contract’s start date. One year later, the interest is calculated based on that change.

Financial Protection

The ability to keep your money safe is a significant benefit. You will not lose money, regardless of what happens in the market. The insurance company is legally required to set your money aside in a reserve, where its safety is guaranteed.* However, you still gain interest on your FIA, based on the performance of a market index. This way, you’ll earn a reasonable rate of return** on your money, keeping it from running out. Running out of money partway through their retirement is a fear many retirees and pre-retirees hold. However, with a fixed indexed annuity, you have guaranteed* security.

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Want to Learn More?

Are you interested in learning more about this product? Reach out to us, to reserve a spot at an educational dinner seminar. Or, schedule a one-on-one meeting with us to discuss your financial situation.

Advisor from GreenLine Retirement teaching an older couple about fixed indexed annuities
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