1. Principal Protection

Your money is safe from market downturns. Even if the stock market crashes, your annuity’s value won’t decrease due to market losses.

2. Growth Potential (Indexed Interest)

Your interest is linked to a stock market index (e.g., S&P 500) but without direct investment in the market. When the market goes up, you earn interest based on a portion of those gains (subject to caps, spreads, or participation rates).

3. Guaranteed Lifetime Income

You can convert the annuity into a stream of income for life, helping ensure you don’t outlive your savings.

4. Tax-Deferred Growth

Your earnings grow tax-deferred, meaning you won’t pay taxes until you withdraw funds, potentially allowing for faster growth.

5. Zero-Percent Floor (No Market Losses)

Even if the market performs poorly, your FIA won’t lose value—your worst-case scenario is earning zero interest, not losing money.

6. Death Benefit for Beneficiaries

Many FIAs include a death benefit, passing any remaining funds to your beneficiaries, often without probate.

7. Optional Riders for Additional Benefits

You can add riders (for a fee) that provide long-term care benefits, enhanced death benefits, or guaranteed income boosts.

8. No Contribution Limits

Unlike IRAs or 401(k)s, FIAs have no annual contribution limits, making them attractive for high-income earners looking to grow tax-advantaged assets.

Who Might Benefit from an FIA?

Pre-retirees & retirees who want market-linked growth with downside protection.Those seeking lifetime income without stock market risk. Individuals looking for tax-deferred growth without annual contribution restrictions. Someone who has an old 401k or IRA that wants to protect and grow the principle. Someone who will be retiring and needs to roll over a current 401k, 403B, etc.