Retirement income
Fixed indexed annuities
A way to participate in market-index gains in up years while avoiding index losses in down years — subject to caps, participation rates, and the contract.
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A fixed indexed annuity is an insurance contract, not a security and not a direct investment in the stock market. Interest credited may be linked to an index. In down years, that bucket typically does not take the index loss — and may credit little or no interest. Surrender charges, riders, and income features vary. This is not right for everyone.
- Not a security and not FDIC insured
- Does not invest directly in the stock market
- Index-linked interest is subject to caps, spreads, or participation rates
- Guarantees depend on the claims-paying ability of the issuing insurer