Fixed Index Annuity

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Prepare for the Unpredictable

With a fixed index annuity, premium payments are not reduced by market downturns. A contract owner of a fixed index annuity can receive credit based on index growth without loss based on index decline. 

With a fixed index annuity, you determine how your premium is allocated across fixed and index based crediting strategies. Fixed strategies are credited a guaranteed fixed interest rate over a set time horizon. Index based crediting strategies are generally based on a market index and you receive interest crediting on your contract value up to the caps and limits of the contract. Your contract value will never decrease based on market performance. There are additional benefits and features included such as contract guarantees, medical confinement access, and annuitization options. There are also optional benefits available for an additional cost that give you the ability to receive guaranteed lifetime withdrawals without annuitizing. 

Is a Fixed Index Annuity Right For You?


Below are some considerations that may help you determine if a fixed index annuity is right for you.   
You are looking for tax-deferred growth 

You want a minimum interest rate but like the idea of potentially benefiting from positve market changes 

You want competitive cap rates to help your money grow 

You want straightforward crediting methods aligned with a market index or fixed rate alternatives 

You’re looking for a competitive guaranteed lifetime income option

You intend to remain in the contract through the surrender period

You do not plan to take withdrawals greater than the free withdrawal amount
To learn more about how a fixed index annuity can help you reach your retirement goals, contact your financial professional. Or, you can call us toll-free at: 888 GENWORTH (888 436.9678)