Fixed & Fixed Indexed Annuities
Annuities are contracts with insurance companies that may help address specific retirement income and protection needs. Their value depends on the contract, your circumstances and how they fit alongside your other resources.
A fixed annuity generally credits interest according to the contract’s stated terms. A fixed indexed annuity uses an interest-crediting formula tied in part to an external index. Caps, participation rates, spreads and other limits can affect credited interest; owning one does not mean investing directly in that index.
Some contracts offer income options or optional riders, which may carry additional costs. Principal protection is subject to contract terms and insurer claims-paying ability; surrender charges, market value adjustments, withdrawals and other provisions can reduce the amount received.
What we consider together
- Compare interest-crediting methods and contractual guarantees.
- Understand surrender periods and available penalty-free withdrawals.
- Evaluate liquidity needs before committing funds.
- Review income options, rider costs and applicable tax consequences.