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Annuity Request
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Not for a year or longer
Within 8 months to a year
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Indexed Annuity

Up until very recently, individuals had two choices when it came to annuities: fixed annuities (offering a guaranteed rate) and variable annuities. But in the mid-90s, a third option was introduced that has begun to gain in popularity: the index annuity.

Index annuities are designed to mirror the performance of a common or well-known index, such as the S&P 500, Russell 1000 Index, or the S&P 100.

An Equity Indexed Annuity is a great place to protect the money you've saved in your CDs, money market accounts, IRA accounts, etc. Or perhaps as an alternative for the money you currently have invested in stocks and mutual funds. An Equity Indexed Annuity can greatly improve your earnings potential, while at the same time keep your principal safe from market fluctuation.

What is an equity-indexed annuity?

An equity-indexed annuity is a special type of contract between you and an insurance company. During the accumulation period when you make either a lump sum payment or a series of payments the insurance company credits you with a return that is based on changes in an equity index, such as the S&P 500 Composite Stock Price Index.

The insurance company typically guarantees a minimum return. Guaranteed minimum return rates vary. After the accumulation period, the insurance company will make periodic payments to you under the terms of your contract, unless you choose to receive your contract value in a lump sum.