Millions of Americans have a portion of their retirement savings in Certificates of Deposit (CDs). Is that because they like the returns they are getting? No. CD rates are down below 3 or 4%. It's not the returns — it's the security for your savings that make CDs appealing.

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Many other people planning for retirement have some of their savings in mutual funds. Do they like the fact that 100% of their money in a mutual fund is at risk? No. They invest in mutual funds because of the growth potential: they are hopeful the stock market will turn around and they will see gains for the first time in several years.
Isn't there a way to give your savings growth potential like a mutual fund while maintaining security like a CD? Yes. That is precisely what you get with an Indexed Annuity.
Indexed Annuities allow you to participate in market gains with no risk of loss to your principal. For example, if you purchase an annuity based on the Dow Jones Industrial Average, you would participate in the market's gain if the Dow rebounds. However, if the Dow continues to slide, your principal would not be at risk. It's as simple as that: Indexed Annuities allow you to combine security for your savings with the growth potential of the market.
In addition, as with all annuities, Indexed Annuities offer several other advantages, including:
  • Tax Deferral
  • Minimum Lifetime Interest Rate
  • Income Which You Cannot Outlive
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