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Fixed Index Annuities


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What is a fixed index annuity?

Simply put, a fixed index annuity is a contract between you and an insurance company in which you agree to make either a lump-sum payment or a series of 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 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 overall financial planning by helping to protect your 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.

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 annuity with an optional living benefit to help grow and protect your 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 product 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 policy value from day one to keep it from decreasing due to market downturns. It also gives you the ability to earn interest based, in part, on the performance of an index. This gives you the opportunity to grow and protect your retirement assets.

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Transamerica Income Plus Living Benefit

Securing your income with growth opportunities and protection

Whether it's how long you need income, or how much income you 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 future income.

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Transamerica Fixed Index Annuity

A life less taxing

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

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