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Understanding Fixed Index Annuities

Fixed index annuities can do what a stockbroker can’t. Want the returns of a strong U.S. economy? These days, you don’t even have to risk your savings. It’s time to go beyond the brokers.

The stock market has long been among the most powerful and popular means of generating wealth. This, of course, always has come with an assumed degree of risk. No small number of retirement portfolios have simply evaporated under the not-so-watchful eye of a stockbroker. Even the shrewdest market hawks can’t predict every shift, swing or crash that’ll inevitably turn the market upside-down.

Recent research shows that since 1989, the average middle-class American household has lost over half of its stock holdings.** During that same period, the market saw steady growth, even unprecedented highs, yet still the average American struggled to hold on to what they had. It’s harder and harder to be a little fish in a big pond, and those trends are only intensifying.

A fixed index annuity allows you to share in the returns of a strong economy without risking the retirement savings you depend on. With lifelong income set to grow alongside a healthy economy, the only way to go is up.

If any of these apply to you, this is a MUST READ

  • You want to reduce or eliminate market risk
  • You still want a share of market gains
  • CDs, money markets and other so-called "safe money" alternatives don't return enough for you to meet your goals
  • You want this money to support a guaranteed income for life
  • You want access to your money in a long-term or nursing home emergency

Watch this short video to learn more about Fixed Index Annuities


This publication is provided for information purposes only. It is a general description intended for use with the general public. Some information may not apply to your situation. Products and features may vary by state and may not be available in all states. Limits and exclusions may apply. The information in this publication cannot be considered or relied upon as legal, accounting or tax advice. It is not investment advice for any individual or in any individual situation, and nothing in this publication should be read as investment advice. Please consult a financial professional or attorney regarding tax, accounting or legal advice and your specific circumstances. The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales.

A fixed index annuity is intended for retirement or other long-term needs. They may not be suitable for all individuals. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. All contract and optional benefit guarantees, including any fixed account crediting rate or annuity rates, are backed by the claims-paying ability of the issuing insurance company. Annuities are not a deposit or guaranteed by any bank or credit union. Annuities are not insured by the FDIC or any federal government agency. They are not backed by the insurance producer from whom the annuity is purchased. Optional features are available for an additional charge. The exact terms of an annuity are contained in its contract and any attached riders, endorsements and amendments. A fixed index annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan since they are already afforded tax-deferred status. Thus, an annuity should only be purchased in an IRA or qualified plan if you value some other features of the annuity and are willing to incur any additional costs associated with the annuity to receive such benefits. Insurance coverage provided by companies rated at least A- by A.M. Best.