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  Understanding Fixed Indexed Annuities  
 

FIXED INDEXED ANNUITIES combine the features of Fixed Annuities — including tax-deferred accumulation, a minimum guaranteed interest rate, and guaranteed income at retirement — with interest crediting options that give a better rate of interest when equity market indices increase in value.

INTRODUCING FIXED INDEXED ANNUITIES

Since becoming available in America over two centuries ago, Traditional Fixed Annuities have been helping people from all walks of life prepare for a secure retirement. With their combination of tax-deferred accumulation, minimum interest rate guarantees, and lifetime income options, Fixed Annuities have long been an important — and most would agree conservative — component of many Americans’ financial portfolios.

Fixed Indexed Annuities (issued only by life insurance companies), are a unique type of Fixed Annuity which offer your clients many of the same features, benefits, and guarantees of traditional Fixed Annuities, plus the potential for higher interest crediting.

The purpose of this article is to help you understand what Fixed Indexed Annuities are; how they work; who your ideal prospects are; and how they can help your clients achieve their retirement asset accumulation objectives as part of an overall asset accumulation strategy.

WHAT ARE FIXED INDEXED ANNUITIES?

Fixed Indexed Annuities are probably best described as "Fixed Annuities with an interest crediting option linked to an outside index".

In other words, Fixed Indexed Annuities combine the features of a Fixed Annuity — including tax-deferred accumulation, a guaranteed minimum value, and guaranteed income at retirement1 —

with an interest crediting option that generally gives contractholders a very competitive rate of return over the long term, particularly when the market indices are increasing in value.

This interest crediting is called an Indexed Strategy, and it links the amount of interest credited to the annuity to the performance of a specific index; for example, the Standard & Poor’s 500® Stock Index (S&P 500®).

Fixed Indexed Annuities give contractholders a choice. Depending on their needs and personal tolerance for risk, contractholders can select a traditional "declared" rate of interest, or they can select one or more indexed strategies, or both.

So now you ask yourself, What are the Primary Benefits of a Fixed Indexed Annuity and we have the answers for your click to continue

 
     
 
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