Equity-Indexed Annuities

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Safety coupled with the opportunity for growth – a good match!

Equity indexed annuities (also known as fixed indexed annuities) can be thought of as investments that can participate in the stock market... but not directly. When an index (S&P 500, for example) rises, investors see the value of their investments increase. But when the stocks in an index fall, investors are protected from losses. Equity indexed annuities come with a minimum guaranteed interest rate, regardless of what happens in the marketplace.

It’s important to note that the gains on an Equity indexed annuities may not be the same gains as seen against the index. Insurance companies can set limits on how much you can receive. For many, giving up some potential upside is a small price to pay for additional security – and a guaranteed return. Please keep in mind, that an investor can lose money, if the investment is surrendered prior to maturity.

Like most annuities, Equity indexed annuitiess offer tax-deferred growth. Yes, you’ll have to pay taxes on any interest you withdraw. But not paying taxes along the way means you have more money earning interest. And as an added bonus, many Equity indexed annuitiess offer inflation protection.

Equity indexed annuities have many moving parts that vary across insurance companies. Interest, participation rates, spreads, margins... we’ll be happy to explain all of this to you so you can make the most informed decision.

Disclaimer
Many Equity Index Annuities (“Equity indexed annuitiess”) are designed for long-term investing and have long vesting periods. Growth may not be realized prior to fulfillment of the vesting period. Potential returns are based on market fluctuations and calculation methods used for each individual index annuity. Earnings are taxable as ordinary income when withdrawn. Equity indexed annuitiess may have fees and expenses including surrender charges that will decrease performance. Guarantees are based on the claims paying ability of the issuing company. Investors cannot invest directly in these indexes. Equity Indexed Annuities have limited liquidity and are not suitable for all investors. The guarantees of an annuity contract, including fixed returns, payouts, and death benefit guarantees are contingent on the claims-paying ability of the issuing insurance company. The principal amount of payments of an annuity purchased with funds from a qualified retirement plan may be taxable. With either systematic withdrawals or free withdrawals you will still be subject to regular income taxes, as well as the 10% tax penalty on early withdrawals prior to age 59 1/2. You may also incur surrender charges on amounts withdrawn in the early years of the contract.