What are Indexed Annuities?

Indexed Annuities are an important part of investment and retirement plans.  They are designed to help your assets grow and provide a steady stream of income at a future date or when you decide to retire - without the vulnerability of the stock market.   Indexed annuities:

  • Make substantial gains when the stock market is "going up"
  • Hold steady with no decline when the market is "going down"  
  • Are not in the stock market, but track up with the increases of a market index - such as S&P 500
  • Can provide a guaranteed annual rate of growth in addition to the gains from indexes

An indexed annuity is an agreement between you and an insurance company, where you accumulate your funds in a tax-advantaged manner and later receive a series of payments provided by the insurance company for a determined period of time, either a number of years or for life, beginning right away or in the future, determined by you and your financial needs.

If you are in a saving-money, wealth-building stage of life, index annuities can help you:

  • Meet your retirement income goals without the risk of stock-market ups and downs
  • Manage and diversify your investment portfolio and meet your wealth-growth goals
  • Provide different options for investing and roll-over 401K/retirement plans
  • Benefit your heirs
  • Plan your estate

If you are in a "need-income-now" stage of life, index annuities can help you:

  • Have a lifetime income 
  • Provide assets for your heirs
  • Protect against outliving your assets
  • Protect your assets from creditors
  • Diversify investment risk
  • Tax advantage on investment earnings