Fixed Indexed Annuities (FIA) · South Florida
Market-linked growth with a contractual floor beneath it.
Also called fixed index annuities — interest credited on the movement of a market index up to a cap, with a 0% floor so a down year never reduces your principal.
Why it matters
The trade you're making, stated plainly.
A fixed indexed annuity credits interest based on an index like the S&P 500, subject to a cap, participation rate or spread. When the index rises, you're credited up to the cap. When it falls, you're credited zero — you don't lose principal. You're exchanging some upside for the elimination of downside.
For South Florida retirees in the five to ten years on either side of retirement, that exchange is often exactly right: sequence-of-returns risk is the single largest threat to a retirement portfolio, and an FIA removes it from that portion of the money. Add an income rider and you also get a guaranteed lifetime withdrawal benefit that continues even if the account value depletes.
What's included
How an FIA is structured.
0% Downside Floor
Market losses never reduce your principal or previously credited interest.
Index-Linked Upside
Interest tied to an index, subject to a cap, participation rate or spread.
Annual Reset
Each year's gains lock in and become the new floor going forward.
Income Rider Option
Guaranteed lifetime income even if the account value runs to zero.
Tax-Deferred Growth
No annual taxable interest while the contract accumulates.
Multiple Crediting Methods
Annual point-to-point, monthly sum and volatility-controlled index options compared side by side.
Free Quote
Free quote, no obligation — usually back the same business day.
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Frequently asked
Fixed Indexed Annuities questions we hear every week.
What is a fixed indexed annuity?+
It's an insurance contract that credits interest based on the performance of a market index, with a cap on gains and a guaranteed 0% floor. You are not invested in the market — the index is only a reference for calculating interest.
Can I lose money in an FIA?+
Not from market declines. Principal is protected by the floor. You can receive less than expected if surrender charges apply on an early withdrawal, or if rider fees exceed credited interest in flat years.
What returns should I expect?+
Historically FIAs have credited somewhere between fixed annuities and equities over full market cycles. Any specific projection depends on the cap, participation rate and crediting method — we show you the actual contract terms, not a hypothetical illustration.
What is an income rider?+
An optional add-on, usually with an annual fee, that guarantees a lifetime withdrawal amount regardless of account performance — useful for building a personal pension alongside Social Security.
How long is my money committed?+
Surrender periods commonly run 5 to 10 years with declining charges, and most contracts allow 10% penalty-free withdrawals annually. We match the term to your actual liquidity needs.
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