Over the past 40-years we have helped thousands of families with their "Serious Money". Our company name acknowledges that we are helping our customers with money that they do not want to lose.

​

A Fixed Indexed Annuity is a long-term account that protects your money from loss. The money you deposit and all the interest you earn are fully protected.

​

What makes a Fixed Indexed Annuity unique and makes greater growth possible is how it earns interest. Your interest gains are tied to the performance of an index. 

​

You have probably heard of indexes and seen them referred to in the newspaper and on television. They have been around for over 100-years. 

​

An index accurately tracks the performance of a group of stocks or bonds or other financial assets (like gold or the price of oil).

 

A very common example of an index is the S&P 500, which is a stock index.

 

Since it tracks the total prices of 500-stocks, it goes up and down and changes in value every day. History has shown that stocks (and the S&P 500 stock index) go up over longer periods of time.

 

But nothing is guaranteed. The stock market has suffered years long declines in the past.

 

So, the Fixed Indexed Annuity was created in 1986 to eliminate the risk of losing money while still having a return tied to stocks. The first Fixed Indexed Annuity policies used the S&P 500 index to track any annual gains.

​

Now you can often select from a variety of indexes and crediting strategies. 

​

In policy years when the index goes up, you earn interest. 

 

In policy years when the index goes down, your account value does not change. You lose no money. You earn no interest that year.

​

New indexes and crediting strategies have no maximum on the amount of interest that can be earned. Now is a great time to hear more about "uncapped" interest crediting strategies and what they can mean for you.

​

During the accumulation, or deferral period, your money will be invested with an insurance company and grow on a tax-deferred basis.

 

Fixed Indexed Annuities are often used for an IRA or for part of a 401(k) rollover. Sometimes they are appropriate for excess cash that may be sitting in savings or checking accounts.

​

While you do not know what amount of interest you will earn, with a Fixed Indexed Annuity you always know that you can never lose. 

​

You can also watch a short video prepared by the Alliance for Lifetime Income about Fixed Indexed Annuities.

​

What are the downsides to a Fixed Indexed Annuity? 

​

• There is no sales charge when you purchase an annuity. However, you will pay a penalty if you choose to make a withdrawal greater than the "free amount" described in your annuity contract. These penalties can exceed the interest that you have earned.  A personalized annuity illustration will provide all details.

• A Fixed Indexed Annuity may trail the performance of some indexes. The caps and spreads on some index options can limit gains to a portion of actual index performance.

​

Why we like Fixed Indexed Annuities:

​

• Historically, Fixed Indexed Annuities have often exceeded the rates of return of bank accounts and government bonds. Past performance is no guarantee of future results for any index.

• Everyone needs some portion of their retirement savings or long-term money in an account that cannot go down in value due to market declines. 

• New uncapped interest crediting strategies are available with all-time growth potential.

• A Fixed Indexed Annuity is an account you can accurately describe to your kids and friends. You can confidently say, "I can earn interest tied to an index I picked. No matter what, I can never lose, even if the index goes down that year."                                                                                                                

​