Fixed Indexed Annuities (FIAs)
Where stability meets growth
A fixed indexed annuity is a retirement planning tool that combines the safety of minimum guaranteed* returns with the potential for higher gains linked to a market index, such as the S&P 500®.
However, your money is never directly invested in the market or an index.
An FIA offers protection against market downturns, ensuring you don’t lose money when the market drops, while still allowing you to benefit from market gains.
Security
Growth Potential
Fixed Indexed Annuities (FIAs) — Where stability meets growth
A fixed indexed annuity is a retirement planning tool that combines the safety of minimum guaranteed* returns with the potential for higher gains linked to a market index, such as the S&P 500®.
However, your money is never directly invested in the market or an index.
An FIA offers protection against market downturns, ensuring you don’t lose money when the market drops, while still allowing you to benefit from market gains.
What are the benefits of a fixed indexed annuity?
Fixed indexed annuities offer a unique blend of security and growth potential.
By tying your earnings to a market index while protecting your principal from market downturns, you benefit from potential gains while minimizing risk.
How does a fixed indexed annuity work?
When you purchase an FIA, your money is not directly placed in the stock market, but rather it earns interest based on the performance of a specified index, such as the S&P 500®.
When the index performs well, you earn more interest. If the index falls, your principal remains safe.
You will never earn less than 0% in a fixed indexed annuity.
Is a fixed indexed annuity a good idea for me?
If you want to grow your savings without the risk of direct investment in the stock market, a fixed indexed annuity may be the right fit for you.
Fixed indexed annuities are long-term financial vehicles, so they are especially suited for those who want protected growth while ensuring a reliable source of income later in life.
Guaranty Income Life FIAs
WealthChoice Fixed Indexed Annuity
Enjoy the freedom to choose.
WealthChoice offers flexible options to help secure your savings, grow your wealth, and enjoy greater, lifelong financial stability — making the goal of a comfortable retirement within reach.
Take the Next Step
Talk to your financial professional to learn more about how WealthChoice or Guaranty Rate Lock could help you achieve your retirement goals.
FOOTNOTES
*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.