Fixed Index Annuities
A blend of protection and growth potential.
Who doesn’t want guaranteed retirement income that offers the potential for growth? Fixed Index annuities can help you take advantage of potential market upswings while mitigating risk from market downswings. This can help you build financial confidence as you enter your retirement years.
Reasons to consider a fixed index annuity to help meet your retirement income goals
- Protect your retirement assets. Fixed index annuities offer guaranteed retirement income for life and help to mitigate market risk.
- Mitigates market risk — even in market downturns. You will never lose premium due to a dip in the market. Take advantage of potential gains without potential loss to premium, making this less risky than being invested in the markets directly.
- Flexibility in your index selection. You have the option to modify your index selection from the insurer’s approved list on a basis determined by the insurance company (for example, the Guardian Secure Index Annuity1 allows you to re-select your index annually with one-year point-to-point).
- Potential gains during index upswings. You select an index available under the contract, and if the index performance is greater than zero, your contract will reflect index performance subject to certain contractual limitations. These contractual limitations may include index rate caps, participation rates and spreads.1,2
- The power of tax-deferred growth. Any interest credited to your contract is tax-deferred. This means you don’t pay taxes on gains until you begin taking withdrawals.