Fixed Indexed Annuities
Fixed Indexed Annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime income.
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FIAs provide peace of mind and minimum guarantees. With FIAs, your clients’ principal is protected from market loss as long as they continue through the length of their contract.
Why Agents Offer Fixed Indexed Annuities:
Guaranteed Income Stream
With Americans living longer and spending more time in retirement, many retirees are concerned about outliving their savings. In turn, they are searching for a product that can help ensure a steady income stream. Fixed indexed annuities (FIAs) are designed with guaranteed lifetime income so you can never outlive your earnings.
Diversification of Portfolio
A balanced portfolio is essential for managing risk and reward in the financial markets. Designed for the long term, fixed indexed annuities (FIAs) are a great retirement vehicle to ensure you are not putting all your eggs in one basket. FIAs offer the ability to make some money, without the risk of losing it.
Principal is Secure
Even with market volatility, investors will not lose value on their fixed indexed annuities (FIAs). Your savings aren’t exposed to market fluctuations, so even in a negative market return, interest credited will never fall below zero. You can never lose your interest once it’s credited to your principal.
Because fixed indexed annuities (FIAs) offer predictable income, Americans feel more comfortable when withdrawing funds from these retirement vehicles, as opposed to an IRA or 401(k). Choosing an FIA is an efficient way to plan for your future, as your interest earnings rate always remains somewhere between the interest rate floor and the cap. In turn, no matter what happens in the market, you can count on payments throughout your golden years.
Fixed indexed annuities (FIAs) offer long-term tax-deferred savings. As long as your money stays in the annuity, you will not be taxed on interest earnings. Once you receive a payout, the annuity is taxed as ordinary income.
How To Get Started
If you decide to offer Fixed Indexed Annuities, we recommend talking to someone from the Premier team of experts. They’ll provide answers to your questions, and have tools available to support your new product offering.
Give us a call today and ask for an Annuity Specialist: 800-365-8208.