Fixed Index Annuities
planning

Upside potential with protection from market volatility

Fixed index annuities are designed for people who want the potential to earn higher interest rates than they would through traditional deposit products1 but who are uncomfortable with exposure to market volatility.

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Simply Speaking: About fixed index annuities

What is a fixed index annuity?

A fixed index annuity (FIA) is an insurance product that provides protection against losses from market volatility and accumulates interest on a tax-deferred2 basis in one of two ways:

  1. A fixed rate strategy in which a specific, consistent percent of interest is credited each period
  2. An index-based strategy in which the interest-crediting potential is tied, in part, to the performance of one or more market indices,3 such as the S&P 500®4 and the credited rate is typically subject to certain limitations or restrictions. You are not invested in the index

Typically, FIAs are best-suited for those who are:

  • Unwilling to risk market-based losses
  • Frustrated with the limited growth potential of traditional deposit products
  • Uncomfortable with stock market volatility

As today’s retirees live longer and healthier lives, it is not a stretch of the imagination to believe that you could spend nearly as much time in retirement as you did in the work force. But as you consider what to do with all that free time, you also have to consider how you will pay for it. You can make choices now to help protect yourself in the future.

Among their many benefits, fixed index annuities typically:

  • Offer greater interest crediting potential than traditional interest crediting products1 since interest crediting can be linked to any positive performance of an index, such as the S&P 500, potentially subject to a cap or spread5
  • Offer multiple methods of interest crediting options to choose from
  • Offer a variety of traditional and enhanced payout options for retirement income
  • Accrue interest tax-deferred
  • Help create a legacy with death benefit proceeds



 

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Fixed Index Annuities Products

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ForeIncome II

ForeIncome fixed index annuity goes beyond the traditional interest crediting and protection benefits of a basic fixed index annuity, offering two ways to help grow your lifetime income including a way to keep growing income while in retirement.

Learn More About ForeIncome
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ForeAccumulation II

ForeAccumulation fixed index annuity offers personalized growth potential based on your retirement goals, downside market protection and an option to leave behind a guaranteed legacy.6

Learn More About ForeAccumulation
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Income 150+ SE

Income 150+ fixed index annuity offers benefits to help you generate income for retirement and provide additional income for the unpredictable. Early “income boosts”7 can grow your income more predictably, while another benefit can provide double income for a qualifying healthcare need.8

Learn More About Income 150+ SE
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Choice Accumulation II

Choice Accumulation fixed index annuity offers personalized growth potential based on your retirement goals, downside market protection and an option to leave behind a guaranteed legacy.6

Learn More About Choice Accumulation
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Choice Income II

Choice Income fixed index annuity goes beyond the traditional interest crediting and protection benefits of a basic fixed index annuity, offering two ways to help grow your lifetime income, a way to keep growing income while in retirement, and additional income for a qualifying healthcare need.8

Learn More About Choice Income
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