Participate in market gains without market losses. Fixed index annuities offer growth potential tied to market indexes with your principal 100% protected from downturns.
See how cap rates affect your potential gains
Four compelling reasons to consider FIAs
Your initial investment is 100% protected. Even if the market crashes 50%, you lose nothing. 0% floor means zero losses.
Participate in market index gains up to a cap rate (typically 8-11%). When the market goes up, you benefit. When it goes down, you don't.
Gains compound tax-deferred until withdrawal. No annual 1099s, no tax drag on growth. Pay taxes later when you need the income.
Add a guaranteed lifetime income rider for future retirement income. Lock in growth for income calculations without losing liquidity.
Highest cap rates from A-rated carriers
Fixed index annuities work best for specific situations
Perfect if you're near retirement and want growth potential but can't afford market losses. You get 70-80% of market upside with zero downside.
FIAs work best when you can commit funds for the full term. Surrender charges decline over time, typically disappearing after 7-10 years.
Already maxing 401(k) and IRA? FIAs offer unlimited tax-deferred growth without income limits or contribution caps.
FIAs have surrender charges if you withdraw more than 10% per year. If you might need the full amount sooner, stick with more liquid investments.
If you can handle 30-40% portfolio swings and have 20+ years until retirement, direct market investing may offer better long-term returns.
Browse all 127 FIA products, filter by cap rate, term, and carrier strength. See real rates before you share any contact info.
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