Fixed Indexed Annuities

Growth potential linked to an index, with a floor against market loss.

Fixed indexed annuities credit interest based on the performance of a market index, with a floor that protects your principal from market downturns. These guides break down the mechanics — caps, participation rates, and crediting methods — without the jargon.

Index annuities do not directly participate in the market and any guarantees are subject to the issuing insurer's claims-paying ability. Tim can walk through whether one fits your plan in a free, no-pressure review.

Guides in this topic

The Ultimate Fixed Indexed Annuity Guide

How fixed indexed annuities link interest crediting to an index, with contractual limits, charges and insurer-dependent guarantees.

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Fixed Indexed Annuity vs Bonds

Both are used for the safer side of a portfolio, but they behave very differently. Here's how FIAs and bonds compare.

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Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.