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Fixed-Indexed Annuity

A financial solution for unexpected life events.

FIXED-INDEXED ANNUITY

Many Americans today are worried about funding unexpected events or outliving their money in the future. Increasing life expectancies, rising health care costs, and more demand being placed on a person’s financial needs can affect their wallet as well as their structured settlement plan.

To help address these concerns, we’re excited to introduce a new structured settlement program that is designed for market-based growth potential with the protection of guarantees: Fixed-Indexed Annuities (FIAs). 

Learn More About FIA

What is a Fixed-Indexed Annuity?

A Fixed-Indexed Annuity is an insurance vehicle that offers a unique combination of benefits that can help achieve long-term financial goals. Now available as part of a structured settlement plan, FIAs offer tax-free growth (physical injury cases) or tax-deferred growth (non-physical injury cases), potential accumulation based on an index without risk to principal, and optional benefits to protect your income. 

Our team can help you understand the potential challenges that can affect your financial plan for the future and help to determine if a Fixed-Indexed Annuity is right for you. This includes how an FIA can fit into your Structured Settlement plan.

BENEFITS OF A FIXED-INDEXED ANNUITY

Long-Term Tax Benefits

Tax-free growth (physical injury cases) or tax-deferred growth (non-physical injury cases).

Safe Alternative to Full Market Participation

FIAs allow claimants to participate in receiving index gains with no downside market risk.

Program Flexibility

Participants have the opportunity to receive various income options including guaranteed lifetime income.

Death Protection Benefit

The remaining accumulation value of the FIA is paid out the beneficiaries upon the death of the annuitant.  The entire annuity value will be paid out to either the annuitant, or their beneficiaries.

Phases of a Fixed-Indexed Annuity

A Fixed-Indexed Annuity has two phases, the accumulation phase and the payout phase. During the accumulation phase, the insurance company promises that the money placed into the policy is guaranteed not to decrease after a set period of time called the surrender period. During that time, the money in the policy has the potential to grow with no downside market risk.

During the payout phase, the client can start a stream of lifetime income through the use of a guaranteed income rider. This will provide a set guaranteed payment every year for the life of the client.

CONTACT US to SEE IF A FIXED-INDEXED ANNUITY IS RIGHT FOR YOU.   Contact Us FAQ