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Simply put, it is a contract between your clients and an insurance company in which your clients agree to make premium 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 credited 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 product that can play a crucial role in your client's overall financial planning by helping to protect their retirement 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.