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Benefits of Fixed Indexed Annuities


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3 Key Benefits of an FIA

Understanding the benefits of fixed indexed annuities will help you make an informed decision about whether they are right for you. These products offer tax deferrals, indexed interest potential and other optional benefits to protect you. As a result, your retirement assets and income could be in a safer place with an FIA. Let’s take a closer look at these 3 key benefits.

1. Tax Deferral

Under current federal income tax law, interest earned in your fixed index annuity contract is tax-deferred. You don’t have to pay ordinary income taxes on any taxable portion until you begin receiving money from your contract. Withdrawals are taxed as ordinary income. So, if taken prior to age 59½, a 10% federal additional tax may apply.

2. Indexed Interest Potential

Fixed index annuities provide an opportunity for potential interest growth. This is based on changes in one or more indexes. Because of this potential indexed interest, fixed index annuities provide a tailored potential for accumulation. And since the interest your contract earns is tax-deferred, it may accumulate assets faster. In addition to potential indexed interest, fixed indexed annuities can offer you an option to receive fixed interest.

3. Protection

Fixed index annuities offer you a level of protection you may find reassuring. That protection can benefit you in three separate ways:

  • Accumulation: Your principal and credited interest are protected.
  • Guaranteed* Income: You can be protected from the possibility of outliving your assets.
  • Legacy: If you pass away before annuity payments begin, a fixed index annuity may help you provide for loved ones.

Fill out the form at the bottom and set up a time to speak with Don. During your no-obligation discovery meeting you will discuss your retirement goals. Together you will determine whether an annuity product is the right fit for you.

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Let’s get started planning for the retirement you deserve.


*Backed by the claims-paying ability of the carrier.

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