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Fixed indexed deferred annuities

Create a more confident path to your retirement

Fixed indexed deferred annuities offer the opportunity to earn interest that is linked to the changes in performance of an index.

By combining protection and growth, fixed indexed annuities offer the potential to earn higher interest than you would with many fixed interest products.

How fixed indexed deferred annuities work

When you purchase a fixed indexed deferred annuity, you earn interest that is linked to the changes in performance of an index.

By tracking the performance of an index to earn interest, you’re in a position to potentially earn higher interest than you would with many fixed interest products but without added risk, because with an indexed product, you are not investing in the stock market.

At the end of the designated crediting period, your account may receive an index credit – or positive interest – based on how well that index performed.

Each year’s earnings, if any, are locked in – no matter how each index performs in the future. If the index experiences negative performance in a crediting period, you’re protected – because your index credit can never be less than zero.

Receiving income

When you’re ready to begin receiving income from your annuity, you can withdraw money from your contract or select from a range of income options.

These options help structure an income that’s guaranteed for your lifetime, a set period of time, for two joint lives, and/or to provide for beneficiaries.

Benefits to you

  • Interest crediting that tracks the performance of an index
  • Protection from negative market performance, since interest credited can never be less than zero
  • Locked-in interest earnings, with the potential for continued future growth
  • The ability to accumulate savings faster through tax-deferred compounding
  • Options for receiving income in retirement, including the ability to create a guaranteed stream of income that can’t be outlived

Optional living benefits

Add optional living benefits to your annuity contract. These extra features can provide an additional layer of protection and the opportunity for accelerated growth of your retirement income, regardless of market performance. Optional benefits are available for an additional cost. 


How do I purchase an annuity?

Our annuities may be purchased through a financial professional. To see how much you may need to save for retirement, use our easy-to-follow calculator.

Start calculating

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An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to nonqualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals. 

The guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. 

Some products and features may not be available in all states and features may vary by state. 

When you save for retirement with a fixed indexed annuity, you’re not actually investing in the stock market and you’re not participating in any stock or equity investments. 

A purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or agency. 

Not a deposit — Not FDIC/NCUA insured — Not insured by any federal government agency — Not guaranteed by any bank or credit union — May go down in value

DOFU 12-2022