Our Programs

Fixed Indexed Annuities

Security For Your Retirement

A fixed index annuity (also known as an equity annuity) is an insured investment that ties your interest rate to the growth of a major stock market index, such as the S&P 500. As the S&P 500 rises, the insurance company credits your account with interest, minus the cut it takes for itself. When the S&P 500 falls, the insurance company protects your principal against losses with a low but positive interest rate.

This investment vehicle is becoming increasingly attractive as it offers the best features of fixed and variable annuities. A very important benefit of indexed annuities is that your premium and credited interest can never be lost due to index volatility, because when you purchase a fixed indexed annuity, you own an annuity contract backed by an investment life insurance company; you are not purchasing stocks or indexes.

Safety of Premium
Fixed Indexed Annuities by their very nature are considered a safe money alternative. It is a contract between you and the insurance company for guaranteed interest and income options. Guarantees are backed by the financial strength of the insurance company of your choice.

10% Premium Bonus
Depending on the insurance carrier you choose when you purchase a fixed indexed annuity you may receive up to a 10% sign up bonus (for ages 0-80) allowing you to jump start your way to a secure retirement. This is credited to first year premiums on most of our offerings as soon as the annuity contract is issued. In other fixed indexed annuity contracts, the bonus will be added in a vested schedule.

Value Calculations
Indexed values are calculated by:
» Adding any premiums paid plus any credited bonus.
» Subtracting any withdrawals, including associated surrender charges.
» Adding index credits to determine an indexed value.

The total Indexed Value is the sum of the indexed value calculations for the Bond, Averaged, Point-to-Point, and Monthly Point-to-Point Values. Fixed Value is calculated in the same way, except interest credited is based on a fixed interest rate rather than an Index Credit. The Contract Value equals the sum of the Fixed and Indexed Values. The Contract Value is calculated on each contract anniversary.

Death Benefit
The Death Benefit is the full value of your annuity contract and is paid in a lump sum with no surrender charges to your named beneficiaries. Other income options may also be available.

Other Information
Fixed Indexed Annuities are designed for people who are willing and able to let their assets build over an extended period of time.

Fixed Indexed Annuities do not participate directly in any stocks or equity investments. You are not buying shares of stock or an index. Dividends paid on the stocks on which the indexes are based don't increase your annuity earnings.

The insurance company may change your annuity contract from time to time to follow federal or state laws and regulations. Should this happen, you will be notified in writing by the insurance company.

Annuity issuers incur expenses to sell and issue its contracts, including commisions to its agents. These expenses are taken into consideration when interest rates, caps and participation rates are established and reset. You will receive all benefits as set forth in the contracts.

Your state has a law that gives you a set number of days to look at an annuity after you buy it. If you decide during that time that you don't want it, you can return the annuity and get all your money back.

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