Fixed Indexed Annuities
Grow Your Retirement Safely
Market gains without the risk. Guaranteed lifetime income.
0%
Loss Guarantee
Tax-Deferred
Growth
Lifetime
Income
Why Choose Fixed Indexed Annuities?
Market Participation Without Risk
Earn returns linked to market index performance like the S&P 500, without direct market risk.
Principal Protection - Guaranteed
Your money is safe - guaranteed. You can never lose your principal, no matter what the market does.
Tax-Deferred Growth
Your investment grows tax-deferred until you begin withdrawals, allowing your money to compound faster over time.
Guaranteed Lifetime Income
Convert your annuity into guaranteed income that lasts your entire life. Never worry about outliving your money again.
No Management Fees
Most FIAs have no annual management fees, keeping more money in your pocket compared to traditional investment accounts.
Guaranteed Minimum Returns
A guaranteed minimum interest rate ensures your money always grows, even in flat or down markets.
Ready to Get Protected?
Schedule a free, no-obligation consultation to find the right plan for your family.
Top Industry Partners
Fixed Indexed Annuities FAQ
What is a Fixed Indexed Annuity (FIA)?
A Fixed Indexed Annuity is a retirement savings product that earns interest based on the performance of a market index like the S&P 500, while guaranteeing your principal is never at risk. Set 4 Life Agency helps clients use FIAs to build safe, tax-deferred retirement income.
Can I lose money in a Fixed Indexed Annuity?
No. Fixed Indexed Annuities come with a guaranteed 0% floor, meaning your principal is always protected regardless of market performance. When the market goes up, you earn interest. When it goes down, you simply earn 0% - you never lose a penny of your principal.
How is an FIA different from a 401(k) or IRA?
Unlike a 401(k) or IRA where your money is directly invested in the market and can lose value, an FIA protects your principal while still giving you the opportunity to earn market-linked returns. Additionally, FIAs have no contribution limits and can provide guaranteed lifetime income.
What is guaranteed lifetime income?
Many FIAs offer an optional income rider that guarantees you a steady income stream for the rest of your life, no matter how long you live. This eliminates the risk of outliving your retirement savings - a major concern for retirees.
Are there fees with a Fixed Indexed Annuity?
Most Fixed Indexed Annuities have no annual management fees, unlike mutual funds or managed accounts. Some optional riders (like guaranteed income riders) may have a small fee, but the base annuity typically has zero ongoing costs.
What ages are best for a Fixed Indexed Annuity?
FIAs are ideal for individuals aged 45-75 who want to protect and grow their retirement savings without market risk. Set 4 Life Agency offers free consultations to determine if an FIA is the right fit for your retirement strategy.