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What is an Annuity?

An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. Annuities are most often bought for future retirement income.  Only an annuity can pay an income that can be guaranteed to last as long as you live.

What is a Fixed Indexed Annuity?

An indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external index reference or an equity index.  The value of the market index might be tied to a stock or other equity index. The value of any index varies from day to day and is not predictable.  

When you buy an equity-indexed annuity you own an insurance contract.  You are not buying shares of any stock or index.

Questions You Should Ask About Fixed-Indexed Annuities:

• How long is term? 
• What is the guaranteed minimum interest rate? 
• What is the participation rate? 
• How long is the participation rate guaranteed? 
• Is there a minimum participation rate? 
• Does my contract have an interest rate cap? What is it? 
• Does my contract have an interest rate cap? What is it? 
• Is interest rate averaging used? How does it work? 
• Is interest compounded during a term? 
• Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate? 
• What indexing method is used in my contract? 
• What are the surrender charges or penalties if I want to end my contract early and take all of my money out? 
• Can I get a partial with drawl without paying charges or losing interest? Does my contract have vesting? If so, what is the rate of vesting? 

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