Fixed Indexed Solutions

Fixed indexed annuities (FIAs) are insurance products that offer a guaranteed minimum interest rate combined with potential additional returns based on the performance of a specified market index, such as the S&P 500. This structure allows for growth potential linked to market performance while protecting the principal from market downturns.

FIAs provide the opportunity for higher returns compared to traditional fixed annuities, without the risk of losing principal due to market declines. However, they often come with caps or participation rates that limit the amount of interest you can earn from the index’s performance.