Fixed Indexed Annuities
A Different Approach to Retirement Savings
Fixed indexed annuities can provide a way to grow retirement assets while offering protection from direct market losses, depending on the contract and its terms.
A Simple Example
Start With a Premium
Imagine placing $100,000 into a fixed indexed annuity.
Index Performance
Assume the selected market index experiences an 8% gain during a crediting period.
Interest Is Credited
If the contract's crediting method produces a hypothetical 5% credited rate, approximately $5,000 could be credited.
What to Know
Downside Protection
Certain contracts can protect against direct market losses from the selected index, subject to contract terms.
Index-Linked Interest
Interest may be calculated using a formula connected to a selected market index.
Tax-Deferred Growth
Interest may grow on a tax-deferred basis while inside the annuity, subject to applicable tax rules.
Income Options
Depending on the contract, an annuity may provide options for future income.
Things to Consider
Contract Length
Understand the surrender-charge period and applicable contract terms.
Liquidity
Review withdrawal provisions, surrender charges, and penalty-free withdrawal amounts.
Crediting Methods
Different strategies may use caps, participation rates, spreads, or other formulas.
Fees & Charges
Some contracts may include optional riders, charges, or other costs.
Important Disclosures
- A fixed indexed annuity is an insurance product and is not a direct investment in the stock market.
- Interest credits are determined according to the specific contract and selected crediting method.
- A fixed indexed annuity does not directly participate in the stock market and does not guarantee the same return as the referenced index.
- Any guarantees are subject to the claims-paying ability of the issuing insurance company.
- Contract terms may include surrender periods, caps, participation rates, spreads, riders, withdrawal provisions, and other limitations.
- Withdrawals and distributions may be subject to surrender charges, contract limitations, and applicable taxes. Withdrawals before age 59½ may also be subject to an additional federal tax penalty in certain circumstances.
- This information is provided for general educational purposes and is not an offer, solicitation, or recommendation for a specific annuity product.
- Product availability, features, rates, charges, and contract provisions vary by insurance company, product, state, and individual circumstances.
Flex Secure Growth
A Flexible Approach to Retirement Planning
National Life Group's Flex Secure Growth is a flexible-premium indexed annuity designed for long-term retirement planning. An annuity may be one option to consider when building toward your retirement goals.
You Don't Have to Start Big.
Subject to product availability and contract requirements.
What to Know
Start Small
You don't necessarily need thousands of dollars sitting in savings to begin exploring retirement planning.
Growth Potential
An indexed annuity may provide the opportunity to receive interest credits based in part on the performance of a market index.
Long-Term Strategy
Annuities can be one component of a broader retirement strategy, depending on your individual goals and circumstances.
Keep Building
Consistent contributions over time can help you work toward building a retirement asset.
Things to Consider
Long-Term Planning
Annuities are generally designed for long-term retirement planning and may not be appropriate for every situation.
Contract Terms
Review the contract's surrender period, withdrawal provisions, charges, and other applicable terms.
Crediting Methods
Interest credits may depend on the selected crediting method, index performance, caps, participation rates, or other factors.
Individual Goals
Consider your retirement timeline, financial objectives, liquidity needs, and overall financial strategy.
Understanding Indexed Annuities
What Is an Indexed Annuity?
An indexed annuity is a long-term insurance product that can provide interest-crediting opportunities linked in part to the performance of a market index.
Not Directly Invested in the Market
Your money is not directly invested in the stock market. Interest-crediting is determined according to the contract and selected crediting method.
Who Might Consider One?
An annuity may be worth discussing if you're looking for a long-term retirement strategy or ways to complement other retirement savings.
Start With a Conversation
Retirement planning doesn't require having everything figured out today. Understanding your options can be a useful first step.
Your Retirement Starts With a Conversation.
Let's look at your goals, your timeline, and whether an annuity may be appropriate for your situation.
Let's TalkImportant Disclosures
Product availability, features, rates, caps, participation rates, charges, surrender periods, and guarantees vary by contract and state.
Annuities are long-term insurance products and may not be appropriate for everyone. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Interest-crediting opportunities may be linked in part to the performance of a market index. An indexed annuity is not a direct investment in the stock market.
This information is for general educational purposes only and is not tax, legal, or investment advice.