Indexed Annuities – Your Ideal Retirement Investment

An indexed annuity may be your ideal retirement investment. These unique investment vehicles provide real growth potential and options for lifetime income.

Below we take a closer look at indexed annuities to help you make an informed financial decision.  

Are you looking for an Annuity Illustration?

Get started today by filling out the form on your screen.

Our independent agency helps you compare annuity opportunities from all the top insurance carriers.

Fill you the form on your screen for a personalized illustration.


What is a Indexed Annuity?

An annuity is a contract between you an insurance carrier in which requires the insurer to make payments to you, either immediately or in the future. The payout from your annuity may come in two ways, either a single lump sum or through income payments that can last the rest of your life. 

Difference Between Annuity Types

There are several types of annuities. Here’s a quick overview of each.

Fixed annuities offer a fixed interest rate at which your investment grows.  

Variable annuities offer variable rates that fluctuate depending on market performance.

Indexed annuities place your funds inside a stock market index. These can have fixed or variable interest rates. 

Do You Need Income Now Or In The Future?

There are two ways to purchase an indexed annuity.

Immediate annuities form through a single, one-time premium payment. As a result, all the benefits of the annuity are immediately available. You can begin taking income payments now or postpone them into the future.

Deferred annuities form through a series of income payments. These annuities are easy to budget for and allow you to build your retirement income over time. The benefits of deferred annuities are delay until you complete all required premium payments. 


Personalized Indexed Annuity Illustrations

Investment Risk For Indexed Annuities

It’s important to emphasize that annuities are long term investment products. They are not suitable for short term investment goals. There are taxes and penalties if you withdraw your money early. 

Some indexed annuities carry risk, while others do not. These flexible investments can offer guaranteed fixed rates or variable rates which are based on index performance. However, both offer real growth potential. 

Most indexed annuities offer variable interest rates and will carry investment risk. If the market is high and the index performs well, your investment may have substantial returns. The economy has been very good for the past ten years, and annuities continue to perform very well. 

However, if the market is down, your annuity funds may not grow at all. And it’s also possible to lose investment principle.  

Who Should Consider an Indexed Annuity?

If you’re behind on your retirement savings or are looking to increase your retirement income, an indexed annuity may be your ideal investment.  

Due to the flexible design, these products can benefit people of various life circumstances.   

Individuals who want to avoid market exposure or have a very low-risk tolerance, we’d advise you to check out fixed-rate annuities. Fixed annuities have lower yeilds but also have a lower risk. Individuals who are looking for higher returns and can tolerate moderate risk should request an indexed annuity illustration. A personalized illustration will lay out the details and projects of how your investment will grow.  

The Great Shift From Traditional Retirement Investments

The recession of 2008 has many retirees feeling unsure about where to place their retirement savings safely.

401k’s and mutual funds carry significant risk with full market exposure. Additionally, traditional low-risk investments such as CDs or bonds don’t offer any real growth potential and often fail to outpace inflation.

As a result, millions of Americans have sought other investment vehicles to protect and grow their retirement savings.

Retirement annuities can provide the right amount of growth and protection to help you live a successful retirement. Additionally, if your annuity is part of a qualified retirement plan, there are additional tax advantages that help you grow your investment. 

Find out more about qualified and non-qualified annuities.

Explore Your Annuity Options Today

Retirement investing can quickly become overwhelming if going about it alone. Savvy shoppers will seek the help of an independent agency to help them navigate their many annuity opportunities.

Our independent online agency specializes in helping seniors have financial success throughout retirement. We’ve helped thousands of people, and we’d love to help you too.

Fill out the form on your screen to receive a personalized indexed annuity illustration. One of our friendly agents will then help you shop and compare annuities companies to find your best investment opportunities. 

Our services are free. And there’s no obligation when speaking with an agent. 

Explore your options today. 

Annuity Quotes & Illustrations


Call Now To Get Started


Get a quote from a licensed agent or simply explore your options. 

Quotes are free, and there's no obligation. 

Request a call from one of our licensed agents.