Key Features of Fixed Indexed Annuities
Principal Protection
Your original deposit is 100% protected from market losses. The floor is always 0% — never negative.
Market-Linked Growth
Earn interest tied to the performance of a market index like the S&P 500, without directly investing in the market.
Lifetime Income Option
Convert your accumulated value into a guaranteed income stream you cannot outlive — a paycheck for life.
How a Fixed Indexed Annuity Works
You Deposit a Lump Sum
You make a single premium payment to the insurance company. Your principal is immediately protected.
Interest Is Credited Based on an Index
Each year, the insurer looks at the performance of a market index (like the S&P 500). If it goes up, you earn interest — up to a cap. If it goes down, you earn 0% — never negative.
Your Gains Are Locked In
Once interest is credited to your account, it cannot be taken away by future market downturns. Your new balance becomes your new floor.
Optional: Convert to Lifetime Income
At retirement, you can convert your accumulated value into a guaranteed income stream you cannot outlive — regardless of how long you live.
Who Should Consider a Fixed Indexed Annuity?
- Pre-retirees who want growth without market risk
- Retirees who want to protect their savings
- Those who want more growth potential than a CD
- Anyone who wants guaranteed lifetime income
- IRA or 401(k) rollover prospects
- Conservative savers worried about market volatility
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