Fixed Indexed Annuities

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Risk-Free Market Growth Potential

FIAs link your investment to the performance of a stock market index, such as the S&P 500, without directly investing in the market. This structure allows you to benefit from potential market gains while enjoying protection from market downturns. If the index rises, your annuity grows; if the market falls, your principal and accumulated gains remain secure.

Lifetime Income and Flexible Payout Options

Fixed indexed annuities offer lifetime income guarantees, ensuring that you won’t outlive your savings. Whether you prefer periodic payouts or a lump-sum option, FIAs give you the flexibility to choose how and when you receive your funds—providing peace of mind in your retirement years.

Tax-Deferred Growth and Penalty-Free Access to Funds

With FIAs, your investment grows tax-deferred until you withdraw funds, helping your savings accumulate faster. Additionally, many contracts offer penalty-free withdrawals for specific situations, such as healthcare expenses or emergencies, giving you quick access to your money when needed.

Protection from Creditors and Probate

Fixed indexed annuities provide more than financial growth—they also offer legal protections, such as safeguarding your assets from creditors and bypassing probate upon your passing. This feature helps you preserve your wealth and streamline the transfer of your assets to your beneficiaries.