Indexed Annuities

Deliver the right balance between growth and safety with an indexed annuity

Maximizing asset growth and future income, while also protecting them, may seem impossible when today’s markets are so uncertain. An indexed annuity may help you deliver the right balance.

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Why an indexed annuity?

Adding an indexed annuity to customers’ overall retirement plan is an efficient way to provide higher growth potential than a fixed interest solution and sometimes offers added benefits like guaranteed lifetime income.

Fixed and index-linked growth options

Indexed annuities may offer both fixed and indexed-linked crediting strategies to fuel asset growth, allowing customers to diversify a growth strategy that meets their needs.

No investment option fees

Unlike a variable annuity, there are no fees associated with the interest crediting strategies available with an indexed annuity.

Protected lifetime income benefits

Some indexed annuities may offer protected lifetime income benefits that deliver a reliable stream of retirement income that customers can’t outlive.

Legacy planning options

Many indexed annuities offer death benefit options that can help customers avoid the complications of taxes and delays associated with probate.

How indexed annuities can provide protected growth

With a choice of interest crediting options, customers can create a strategy that fits their objectives. There are two ways an indexed annuity might credit interest. The first type is a guaranteed fixed rate of interest. The second type is credited based on the upside performance of a market index, subject to either a rate cap or participation rate. In either case the contract will not credit less than 0%.

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graphic showing how indexed annuities can provide protected growth

Consider an indexed annuity for a customer who:

Is focused on protecting their retirement savings
Wants higher growth opportunities than traditional fixed interest solutions offer
Is concerned about outliving their income
Wants the flexibility to adjust their plans in the future