Markets move. Your retirement bills keep coming. A fixed indexed annuity can help protect a portion of your savings from market losses—and, with an appropriate income feature, provide a paycheck you and your spouse cannot outlive.
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Retirement brings a different question: how will your savings support the life you want, year after year? A fixed indexed annuity can provide stability for part of your retirement plan while leaving other funds available for everyday needs.
During accumulation, a negative index result does not reduce your principal or interest already credited under the contract. A down year may credit zero index interest; prior credited interest remains protected from market losses.
Interest potential is linked to an index under the contract’s crediting formula. Once credited, interest becomes part of your accumulation value. Earnings grow tax deferred until distributed.
An available joint lifetime income benefit can provide payments for you and your spouse, continuing while either covered person is living, subject to its terms and withdrawal rules.
Protection applies to losses caused by market declines. Withdrawals, surrender charges, market value adjustments and applicable rider or strategy charges can reduce contract value, including principal. Index interest can be zero, and lifetime income features may have a charge.
Selected annuities may offer a bonus of up to 31%, subject to product availability and your eligibility.
We compare the bonus alongside the lifetime income, growth terms, charges and access to your money. The goal is a contract that supports your retirement—not simply the largest advertised percentage.
Bonus terms vary by age, state, premium and contract. Confirm whether the bonus increases accumulation value or an income benefit base. An income base is used to calculate benefits and is not cash you can withdraw. Vesting or recapture conditions may apply. A bonus is not an annual return.
Appel Financial represents major annuity carriers. We compare available fixed indexed annuity options to seek the strongest lifetime income for your circumstances, including the protection you want for your spouse.
We review your ages, income start date, premium amount and need for accessible savings, then show you the actual contract benefits and illustrations before you decide.
Any guaranteed income depends on the issuing insurer’s claims-paying ability and compliance with the contract’s benefit and withdrawal provisions.
No. This is an insurance contract. Index performance helps determine interest under a formula; caps, participation rates, spreads or other limits affect the amount credited. You do not receive the index’s full return.
Yes, where an appropriate joint lifetime income option is available and selected. We show the payment amount, covered lives, survivor terms and any charges so you can compare it with single-life income.
Contracts may allow limited withdrawals without surrender charges. Larger or early withdrawals may incur charges or adjustments, and excess withdrawals can reduce or terminate an income benefit. Keep enough money outside the annuity for emergencies and near-term expenses.
Earnings in a nonqualified annuity generally are not taxed until distributed. Withdrawals and income-rider payments generally draw taxable earnings first. An annuity inside an IRA adds no additional tax deferral beyond the IRA itself. Tax treatment depends on your funding source and circumstances.
Ask us for a personal comparison. We review guaranteed income, crediting terms, financial strength, bonus conditions, fees, withdrawal access and beneficiary provisions together.
Speak with Saul about protecting part of your savings and creating income for you and your spouse. Request a personal fixed indexed annuity comparison with no obligation.