Equity-Indexed Annuities

If you find yourself wishing you could invest in the stock market, but you feel nervous about losing money, an indexed annuity could be the middle ground you're looking for.

Indexed annuities let your money grow fast when the stock market is up, and also pay a minimum interest rate when the market is down.

The Details

The index-linked gain depends on the various indexing features of the Equity-Indexed Annuity, which may include a participation rate and an interest rate cap.

A participation rate determined how much of the gain in the index will be credited to the annuity.

An interest rate cap is the maximum rate of interest the annuity can earn. Both of these features could limit full participation in a positive change in the index.

The indexed-linked gain will also be affected by the indexing method, which is used to calculate the amount of change, if any, in the relevant index. Additional fees may apply. Review your contract for details.

Why They're a Good Idea

There’s no way around it: the stock market has good years and bad years. It’s a natural part of the economic cycle. Indexed annuities let you profit from the market’s ups, while also protecting you during the down times.

• You’ll have potential for growth, but with less risk.
• The minimum interest rate serves as a safety net.

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