Fixed Index Annuities

We offer fixed-index annuities (FIAs) that provide the guarantees of fixed annuities combined with the opportunity to earn interest based on potential market index gains without directly participating in the market. Some of the features that are available to you through FIAs are: bonuses, various crediting methods, guarantee of initial investment, annual lock-in of gains and allocation options that give you choices for your money.

Companies continue to develop new and innovative fixed-index annuities that provide the guarantees of a fixed annuity with the potential for indexed interest. Please understand that bonus annuities may carry higher fees if accounts are surrendered before the contract years are completed than annuities without the bonus feature. Guarantees are backed by the financial strength and claims paying ability of the issuing Companies. We are here to help you with answers to questions you may have about this subject or any other related subjects. The advantages of Fixed Index Annuities with annual reset can be seen in this chart.

View Fixed Index Annuity consumer brochure #1

View Fixed Index Annuity consumer brochure #2

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Unlike CD or Money Market accounts, traditional fixed annuities are tax deferred and usually maintain a higher rate of return in the long term. Annuities also have a lifetime stream of income choice that CD or Money Market accounts do not have. They can serve as future cash flow or retirement vehicles. Guarantees are backed by the financial strength and claims paying ability of the issuing Companies. We are here to help you with answers to questions you may have about this subject or any other related subjects. Please schedule your Free Consultation now.

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At Prudent Financial, we guide our clients to systematize a strategy that will identify their financial potential and future results that are measured by their present financial position, their desire to improve, commitment, discipline and consistency in implementation. These elements define the basis for our clients' relative financial success. Please note: our advice is based on facts and realities, we do not dictate to our clients nor are we liable for their failure to implement any of our advice.