A Fixed Index Annuity (FIA) is an insurance contract between you and a life insurance company designed to help you accumulate assets for retirement. They offer low financial risk, conservative returns, and protection from market ups and downs. You pay premium to the insurance agency in return for regular income payments over a period of time, beginning at some point in the future. If you are looking for a retirement strategy that protects your principal, has some good upside potential, and provides a predictable guaranteed lifetime income stream in retirement1, a FIA may be something to consider.

Are you in or near retirement? One of the most common fears for retirees and those planning for retirement is outliving their money. Learn how annuities can help generate a steady stream of income or increase your current savings. They can also help you leave a legacy and provide income for your heirs.

The purchase of an annuity is an important financial decision. Be sure to schedule a full discussion with our company about your retirement needs before making any decisions.

*An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. All guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees and for optional contract riders and benefits. Withdrawals and death benefits may be subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain annuity product features, such as stepped-up death benefit, a bonus credit, and a guaranteed minimum income benefit, will generally incur additional fees. If you are investing in an annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage.