FIA & Living Benefits
Enjoy Fixed Index Annuity (FIA) with Living Benefits: Secure, Steady, and Smart Retirement Planning
what you need to Know!
A Fixed Index Annuity (FIA) is a safe, tax-deferred retirement vehicle that provides guaranteed income for life while allowing your money to grow based on the performance of a stock market index (like the S&P 500). Unlike direct investments in the market, an FIA protects your principal from market downturns while offering growth potential during market upswings. But what makes FIAs even more powerful? Living Benefits that ensure financial security when you need it most!
Fixed Indexed Annuity Also known as equity indexed annuities, fixed indexed annuities (FIA) offer growth potential, capital preservation and lifetime income. A fixed index annuity may be a good choice if you want the opportunity to earn indexed interest, but don't want to risk losing money in the market. "Guaranteed protection plus growth potential This option may appeal to you if you want a chance for upside gains in a good market while also receiving a level of protection from possible downturns."
What is a fixed index annuity?
Fixed index annuities (FIAs) are designed to help you accumulate money and provide income for your retirement. While the guarantees may vary among different annuities, FIA may provide these three core benefits:
FIA can help support your long-term financial goals. You can have access to FIA products created with long-term income in mind.
For example
- 20% income boost to your Withdrawal Base on day one.
- 7.5% income boosts annually in years two through five.
- Income Enhancement Benefit, which will double your client’s guaranteed annual income amount for up to five years if they are unable to perform two or more Activities of Daily Living (ADLs)**.
- Guaranteed Income Builder to give clients consistent 10% growth annually (of their initial premium adjusted for withdrawals) added to their Withdrawal Base.
- Income Multiplier Benefit to give clients steady income with growth potential – even during retirement. 1.25X on any earned interest credits added to their Withdrawal Base annually pre income activation and post activation.
Fixed Indexed Annuities Living Benefits
Highest Annuity Rates
Advantages and Living benefits of Fixed Indexed Annuities
Earn HIGH, risk-free returns starting today!
Annuities are among the safest financial products available. Get the guaranteed protection against market losses offered by top insurance companies.
Annuities are an excellent way to offer additional solutions to you as they can provide guaranteed lifetime retirement income, principal protection, tax-deferral benefits, flexibility and more.
Fixed index annuities (FIA) are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.
Below is how the benefits of a fixed index annuity work together to keep retirement income planning on track. Here are are six top fixed index annuity benefits: growth opportunities, guaranteed income, liquidity, principal protection, tax deferral, and beneficiary payments.
1. Up to 26% Purchase Bonus
For purchasing an annuity you can receive an up front bonus of up to 26% on your money.
2. Up to 10.8% Annual Return
Enjoy market-like returns without the market-like volatility.
3. Growth Potencial Without Risk of Loss
Growth opportunities are appealing to those looking for increased asset potential without risk exposure.
4. Protection from Loss
FIA can protect your investment from losses if the market goes down. Principal protection is a fixed index annuity benefit, helping secure long-term stability
5. Liquidity
Fixed index annuities offer a variety of liquidity options. Many fixed index annuities allow the owner free withdrawals up to 10%.*Many annuities also offer increased or full access to the contract value for qualified care needs.
6. Guaranteed Life & Retirement Income
A FIA can provide a guaranteed stream of income for life. Guaranteed income with a fixed index annuity provides long-term income stability.Receive guaranteed income payments for life, even if you reach 120 years of age.
7. Inflation Protection
Annuities can help ensure that your monthly payments keep up with inflation so that you don't fall behind.
8. Tax Benefits
When you roll over funds from a tax-qualified plan into an annuity, the funds maintain their tax-deferred status, so you won't pay income taxes until you withdraw money. Tax-deferred growth potential is a great opportunity to help build up an income source.
9. Live a Good Legacy
Take care of loved ones by ensuring fixed index annuity funds are paid directly to a named beneficiary.
Rollover Yes, you can roll over funds from a retirement plan like a 401(k) or IRA into a Fixed Index Annuity (FIA). Rolling over tax-qualified retirement assets into an annuity can help you achieve your retirement goals, while also providing you with additional features. It can help your retirement savings grow based on the performance of a market index, up to a certain limit.:
Smartly grow your savings over time with guaranteed returns. Because it’s a fixed index annuity (FIA), it offers tax-deferred growth, protects your principal and credited interest from market downturns, and provides a death benefit for beneficiaries. It also has innovative features that may give you even more potential
To roll over funds, you can:
1. Plan
Consider working with a financial advisor to find the right annuity and ensure the rollover is done correctly.
2. Choose an annuity
Compare the structure, fees, and financial stability of different annuity companies.
3. Communicate
Let the annuity company know you want to roll over funds and provide instructions to your plan administrator.
4. Execute the rollover
A direct transfer from your plan provider to the annuity issuer is the easiest way to complete the process.
If you receive the funds in your bank account, you must move them back to a retirement account within 60 days to avoid a tax penalty.
Critical Illness
Getting lifetime financial freedom, financial independence and financial security by automated wealth building through potential tax-advantaged cash value accumulation based on the positive growth of a market — all with downside protection through minimum guarantees to ensure that the cash value will not decline and also never loose money. Hence, the accumulated value can grow tax-deferred over time and may be used throughout the lifetime
The growth potential, flexibility and tax-free retirement make this opportunity a preffered option to 401k. As rising taxes, market risks, and hidden fees have made 401(k)s less reliable than ever for building lasting wealth. That’s why savvy investors are turning to Indexed Universal Life Insurance (IULs) as a smarter way to plan for a tax-free retirement. An IUL not only protects your money but also offers the growth potential and flexibility you need to truly enjoy your golden years.
Hence you will be making good income for helping people to build their financial future with this investment-focused plans. Designed to grow wealth over time, these plans provide the perfect balance between security and accessibility, allowing people to reach their financial goals while staying prepared for the unexpected.
Summary of the Protection & Benefits
I. Protection for Financial Relief/Support in the event of a qualifying Deadly Illness (click) such as:
II. Protection for secured Financial life & Future
