Protection, growth potential, and income options
Fixed Indexed Annuities
A contract built to shield your money from index declines while still giving it a chance to earn interest.
What to know
Protection against losses from index declines
Certain fixed indexed annuities protect the money you put in from losses caused by the index falling. That protection follows the terms, limits, and charges written in the contract.
Growth is linked to a market index
When the index goes up, you may earn interest. When it goes down, you earn zero for that period. You do not own the stocks in the index.
Caps, participation rates, and spreads
These are rules in the contract that limit how much interest you can earn. They are the trade for the protection.
Lifetime income options
You can choose to turn the annuity into monthly income that lasts as long as you live.
Surrender charges
If you take out more than the contract allows in the early years, you may pay a charge. Ask how long the surrender period lasts.
Richelle explains it
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