Upside potential with downside market protection

It’s natural for you to want to protect and try to make the most of the money you’ve saved for retirement. That’s why a fixed index annuity (FIA) is appealing to many as they save for retirement. It has the potential to outpace current interest rates and inflation without the risk of performance-based losses. Plus, in addition to traditional annuity payout options, fixed index annuities may offer enhanced features for securing and growing a predictable income for your retirement.

Among their many benefits, fixed index annuities typically:

  • Offer greater interest crediting potential than traditional interest crediting products since crediting is linked to any positive performance of an equity index, such as the S&P 500®, subject to maximum limits1
  • Help protect your principal when index performance is negative by eliminating market losses
  • Accrue value based solely on interest earnings, so there are no losses from poor market performance
  • Offer multiple methods of interest crediting to choose from
  • Offer a variety of traditional and enhanced payout options for retirement income
  • Allow withdrawal of up to 10% of your money annually without cost during the surrender charge period and full access to your money outside of the surrender charge period
  • Are available with a variety of surrender charge durations

Talk to your financial professional to learn about our fixed index annuity products.

ForeAccumulation fixed index annuity offers the features of a traditional fixed index annuity and also includes a Guaranteed Minimum Accumulation Value (GMAV). This value has the potential to increase your contract value at the earlier of the first owner's death or at the end of the chosen withdrawal charge period, either six or eight years. The GMAV equals zero and terminates at the time of any withdrawal from the contract during the withdrawal charge period and is not available for cash surrender value.

ForeIncome fixed index annuity offers the features of a traditional fixed index annuity along with an available Guaranteed Lifetime Withdrawal Benefit (GLWB). This benefit includes a choice of interest crediting options – 10% with no interest credits added or 7.5% plus an additional dollar amount of interest credits annually (minus withdrawals)2. In addition, ForeIncome offers a Guaranteed Minimum Surrender Value, which may increase your contract value upon surrender. ForeIncome offers a Guaranteed Minimum Surrender Value which has the potential to increase contract value but terminates on the GLWB activation date. It can also serve as a minimum death benefit.

ForeSpending Select fixed index annuity helps build and provide a guaranteed lifetime income stream for your retirement needs, assuming no excess withdrawals. With ForeSpending Select you’re able to choose from multiple interest crediting methods, including a fixed rate strategy. Plus, you can also elect a 5% Premium Bonus3 to further leverage your interest crediting potential.

ForeFreedom Savers fixed index annuity is a single premium, fixed index annuity designed to help you meet your retirement savings needs. ForeFreedom Savers offers you multiple crediting methods, including a fixed rate strategy.

Income 150+ fixed index annuity offers bold benefits to help you generate income for retirement. Income is driven by a unique value within the contract, known as the Income Base. The Income Base receives guaranteed growth before income starts, so that your income can grow more predictably. This product offers three income boosts broken out at issue and at the start of years 3 and 5.4

Income 125+ fixed index annuity offers the potential to grow retirement assets at a better interest rate than traditional savings options, while still providing protection against financial market declines.1 Upon issue, you will receive a 25% income bonus5 based on initial premium. In addition, a Guaranteed Life time Income Benefit (GLIB) provides for guaranteed Income Base growth of 5% per year at each contract anniversary for the first 10 years (assuming no withdrawals), or until the GLIB is elected, if earlier. After that time, the Income Base will no longer grow.

Index Bonus 115 fixed index annuity provides an initial income bonus equal to 15% of premium as well as a Guaranteed Lifetime Income Account Value the grows at 6% at the end of the each contract year for the first 10 years (assuming no prior withdrawals) or until the date the Guaranteed Lifetime Income Benefit (GLIB) is activated. Annual accumulation rate does not apply to the contract value or death benefit and is not available for cash surrender value.

Choice Accumulation fixed index annuity offers the features of a traditional fixed index annuity and also includes a Guaranteed Minimum Accumulation Value (GMAV). This value has the potential to increase your contract value at the earlier of the first owner's death or at the end of the chosen withdrawal charge period, either six or eight years. The GMAV equals zero and terminates at the time of any withdrawal from the contract during the withdrawal charge period and is not available for cash surrender value.

Choice Income fixed index annuity offers the features of a traditional fixed index annuity along with an available Guaranteed Lifetime Withdrawal Benefit (GLWB). This benefit includes a choice of interest crediting options – 10% with no interest credits added or 7.5% plus an additional dollar amount of interest credits annually (minus withdrawals).2 In addition, Choice Income offers a Guaranteed Minimum Surrender Value, which may increase your contract value upon surrender. ForeIncome offers a Guaranteed Minimum Surrender Value which has the potential to increase contract value but terminates on the GLWB activation date. It can also serve as a minimum death benefit.