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fixed-index-annuities

Fixed Index Annuities


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What is a fixed index annuity?

Simply put, it is a contract between your clients and an insurance company in which your clients agree to make either a lump-sum payment or a series of payments. In return, they receive the opportunity for growth and the ability to create an income stream in the form of periodic payments that can begin immediately or after a period of time. Fixed index annuities are a type of fixed annuity that earns interest based on changes in a market index, which measures how the market or part of the market performs. The interest rate is guaranteed to never be less than zero, even if the market goes down.

The will to secure. The wisdom to grow.

A fixed index annuity is a long-term retirement tool that can play a crucial role in your client's overall financial planning by helping to protect their assets with the opportunity for growth. Constructed with your client's long-term planning needs in mind, fixed index annuities are designed to address some of today's financial concerns while preparing for their tomorrow.

Transamerica offers two fixed index annuity products: Secure Retirement Index® Annuity and Secure Retirement Index® II Annuity. Both products offer several contract term periods and the ability to customize your client's annuity with an optional living benefit to help grow and protect their retirement income. The difference between the two products is in the investment options available. While both products offer index account options, the Secure Retirement Index products also offers the Transamerica® Multi-Asset Strategy Index 5, a rules-based, volatility-managed index that is designed to provide diversification.

Learn more about Transamerica's Secure Retirement Index Annuity >

Learn more about Transamerica's Secure Retirement Index II Annuity >


Transamerica Secure Retirement Index Annuity

The opportunity of growth and protection

Transamerica Secure Retirement Index® Annuity works to protect your client's policy value from day one to keep it from decreasing due to market downturns. It also gives them the ability to earn interest based, in part, on the performance of an index. This gives your clients the opportunity to grow and protect their retirement assets.

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Transamerica Income Plus Living Benefit

Securing income with growth opportunities and protection

Whether it's how long your client needs income, or how much income they need, Transamerica Income Plus® is an optional living benefit available with the Transamerica Secure Retirement Index® Annuity that offers growth opportunities and guarantees for your client's future income.

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Transamerica Fixed Index Annuity

A life less taxing

Taxes are a part of life, but your clients have more control over them than they might think. Transamerica fixed index annuities can provide tax advantages that can make a big difference in their retirement planning over the long term.

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