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Q. With the stock market declining, is it a good time to invest in an Index Annuity?

Posted by: June B.
A. We really don't have enough information to give you a specific answer. An Index Annuity was designed to track an index, such as the Standard and Poor's 500 index. The return you'll receive on your money will usually be a percentage of what that particular index gained for the corresponding investment year. If you're willing to give up some of the upside potential, then you can protect yourself against downside risk. We will caution you, that an Index Annuity can be complex. It has many internal moving parts, such as participation rates, interest rate caps, spreads, various indexing methods and much more. So, you should obtain as much information as possible before making any decisions. You may want to visit these regulatory sites, www.sec.gov and www.finra.org for additional information.

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