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Simply put, a fixed index annuity is a contract between you and an insurance company in which you agree to make premium payments. In return, you receive income 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 overall financial planning by helping to protect your retirement assets with the opportunity for growth. Constructed with your long-term planning needs in mind, fixed index annuities are designed to address some of today's financial concerns while preparing for your tomorrow.