Fixed Annuity

Index Account fixed annuities are not investments in the stock market or in applicable indices. Some or all of your premiums may be allocated between several different indices and/ or crediting methods. This annuity offers enhanced ability to earn index credits associated with the annual changes in several distinct indices without the risk of directly participating in stock, bond, or equity investments. These indices are recognized worldwide as prominent benchmarks for stock market and bond performance. This is truly a fixed annuity using an interest crediting rate.

Benefits of Owning a Deferred Annuity


Tax-deferred growth allows your money to grow faster because you earn interest on dollars that would otherwise be paid in taxes. Your premium earns interest, the interest compounds within the contract and the money you would have paid in taxes earns interest.

Death Benefit

The Annuity will pay out, as the Death Benefit, the Accumulation Value to your beneficiary upon the death of the annuitant or an owner. Your beneficiary may choose to receive the payouts in either a lump sum or a series of income payments. If joint annuitants are named, the death benefit will be paid on the death of the second annuitant. If joint owners are named, the Death Benefit will be paid on the death of the first owner.

May Avoid Probate

By naming a beneficiary, you may minimize the delays, expense, and publicity often associated with probate. Your designated beneficiary receives proceeds in either a lump sum or a series of income payments. Please consult with and rely on your own legal or tax advisor.

Indexed Annuity 

If I want to build up my retirement fund and enjoy a guaranteed income for the rest of my life.

Saving Pays Off

If you start saving early, a small amount can make a big difference.

Assume you start saving $3,000 per year at age 50, with an 8% return. At age 65 you’ll have nearly $100,000. If you start saving the same $3,000 amount (at the same 8% return) at age 35 instead of at age 50, you’ll have saved nearly $400,000 by age 65*. That’s four times as much. It pays to start early

Quick Facts 

Deferred annuities can be a great choice for building a tax-deferred retirement nest egg – especially if you want to have more than you might with IRAs and 401(k) Plans.

Deferred annuities may offer optional “living benefits”, for a fee, to help protect your account balance, future income and death benefits from market fluctuations

With most deferred annuities, your money is always available to you

Start with as little as $100 a month.

And recieve a guaranteed minimum fixed rate of 1.5%

Deferred annuities have two phases: 

Savings and investment, where your earnings accumulate tax-deferred and you generally have access to your money.


Income, where you convert your account balance into a guaranteed stream of income (annuitize) that you can live on the rest of your life; any remaining assets can be invested to grow your overall portfolio.


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