Securing the Golden Years with Retirement Strategy FIAs

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Tackle a trio of financial risks for retirees: longevity, inflation, and market volatility.

Why your clients’ retirement strategy should include a Fixed Indexed Annuity FIA:

  • Enhanced Growth Potential: Fixed Index Annuities (FIAs) allow clients to benefit from market growth without directly participating in stocks or equities. Interest is credited based on the performance of a market index, like the S&P 500. This structure offers clients the potential for higher interest credits in rising markets while protecting their principal from losses in declining markets1.
  • Downside Protection: In today’s volatile market, it’s essential to safeguard your clients’ investments. FIAs are designed to ensure that while clients may not earn interest during market downturns, their cash value remains intact and will never be reduced due to a down market.
  • Guaranteed Retirement Income: FIAs can provide clients with a reliable income stream during retirement, helping to supplement pensions and address income shortfalls. Research from the Insured Retirement Institute shows that 95% of consumers express strong interest in annuities that guarantee monthly income².
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1 Assuming no withdrawals during the withdrawal charge period. Rider charges continue to be deducted regardless of whether interest is credited.
2 Insured Retirement Institute. (2023). IRI Research Finds Consumers Prioritize Retirement Income and Asset Protection More Than Growth.