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Within a properly structured fixed index annuity, Indexing allows you to participate in the gains in the market while protecting you from loses.
The chart is based on actual rates for the time period for the S&P 500. The chart demonstrates historical performance of the S&P 500 between the twenty years of 1999-2018. The fixed indexed annuity in this hypothetical example uses the annual point-to-point index method based on changes in the S&P 500 to calculate the indexed rate for each term. For purposes of this chart a 50% participation rate is applied for all terms in the period. Assuming $100,000 initial premium. Indexed interest is credited only on amounts held for the entire term. This example assumes no money is withdrawn from the account. Early withdrawal charges will apply if money is withdrawn during the surrender charge period. For demonstration purposes only. Participation rates can change annually.
In addition to Social Security income, a properly structured fixed index annuity can provide a Guaranteed Income that you can never outlive.
The security and peace that comes from having enough income in retirement without being exposed to excessive market losses can help you Retire Happy.
We recommend that you have your fixed expenses covered by Guaranteed Income streams. Since early withdrawal charges may apply if too much money is withdrawn during the surrender charge period, we recommend having sufficient cash reserves. Assets set aside in a tax-deferred annuity for growth can create additional future retirement income.
The Death Benefit in a properly structured fixed index annuity can provide a Legacy for you and is passed directly to your chosen beneficiary.
When you pass away the account value in a fixed index annuity is not reduced by surrender charges and will go directly to your beneficiary either as an income stream or a lump sum depending on your choices.
If your annuity funds are in a traditional IRA account, the entire amount will be taxable income to your beneficiary. For non-IRA accounts, only the account growth is taxable. We can help you understand your options. Please check with your tax advisor for additional information on taxation of qualified accounts.
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