Annuities (FIA) — Our 365 Financial Solution

The Three Pillars of a Fixed Index Annuity

How a FIA Works

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Market-Linked Growth

Your money grows based on a market index (like the S&P 500) without direct investment — you earn gains without direct market exposure.

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Principal Protection

Your initial investment is protected — you cannot lose money due to market losses. Your floor is zero, not negative.

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Guaranteed Income

Optional income riders provide a guaranteed paycheck you cannot outlive — like a personal pension you fund yourself.

What Is a Fixed Index Annuity?

A Smarter Way to Save for Retirement

A Fixed Index Annuity (FIA) is a contract between you and an insurance company. You deposit a lump sum or series of payments, and in return the insurance company credits interest based on the performance of a chosen market index — such as the S&P 500 — up to a defined cap or participation rate.

The key distinction: your money is never directly invested in the market. When the market goes up, you earn a portion of those gains. When the market goes down, your account value does not decrease. A down year means zero gain — not negative balance.

Many FIAs also include optional income benefit riders that guarantee a stream of income for life — no matter how long you live or what happens in the market.

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Why Choose a Fixed Index Annuity?

Key Benefits

Tax-Deferred Growth

Your money grows tax-deferred — you only pay taxes when you take distributions, allowing your savings to compound faster over time.

No Market Loss

Unlike stocks or variable annuities, FIAs protect your principal. A down year in the market means zero gain, not a negative balance.

Lifetime Income Option

With an income rider, you can create a guaranteed paycheck for life — like a personal pension funded by your own savings.

No Contribution Limits

Unlike IRAs or 401(k)s, there are no annual contribution limits on annuities, making them ideal for larger lump-sum rollovers from CDs or retirement accounts.

Frequently Asked Questions

Annuity Questions Answered

Is my money locked away forever?

No. Most FIAs include free withdrawal provisions — typically 10% of your account value per year without penalty. Surrender charges apply to larger withdrawals during the surrender period, which typically ranges from 5 to 10 years.

How is a FIA different from a CD or savings account?

A CD earns a fixed, usually low interest rate. A FIA has the potential to earn significantly more by linking to a market index, while still protecting your principal — something a variable investment cannot guarantee.

Who should consider a Fixed Index Annuity?

FIAs are best suited for people within 5–15 years of retirement who have a lump sum they want to protect and grow, and want guaranteed income they cannot outlive. They are not designed for short-term needs.

Grow Your Money. Protect What You Have. Never Lose to a Down Market.