Introduction to Fixed Indexed Annuities
Retire on your terms, not the market’s.
Fixed Indexed Annuities hedge market shocks, guard your principal, and keep you on track to retire when you choose.
What is a Fixed Indexed Annuity?
A Fixed Indexed Annuity (FIA) is a contract between you and an insurance company.
You pay a premium, and in return, the insurer guarantees that your principal is protected from market losses and that you can earn interest linked to the performance of a market index (like the S&P 500).
Your money is not invested directly in the market. Instead, you benefit from the index's growth without risking your principal when the market drops.
Think of it as a powerful blend of growth potential, principal protection, and tax-deferred accumulation—all inside a single vehicle.
Why Fixed Indexed Annuities?
When stocks are volatile and bonds are underperforming, FIAs offer something most “safe” investments don’t: upside potential without downside risk.
Principal Protection
Never lose your initial investment to market volatility. Fixed Indexed Annuities shield your principal from market downturns, offering peace of mind that your nest egg is safe regardless of economic conditions.
Market - Linked Growth
Capture upside potential without downside risk. FIAs credit interest based on a stock market index (like the S&P 500), giving you growth opportunities when the market performs well—but without direct market exposure.
Tax - Deferred Compounding
Grow faster by delaying taxes on gains. All interest earned in an FIA grows tax - deferred, allowing your money to compound more efficiently until you begin making withdrawals.
What makes FIAs different?
The perfect balance of
growth and protection
Don't give up your growth
FIAs offer a unique blend of growth potential and principal protection. You participate in market gains while safeguarding your initial investment from market losses. It's a win-win.
Never too much
FIAs provide a stable growth path to complement your portfolio.
Save the tax for later
All interest from an FIA grows tax-deferred, so your money compounds more efficiently.
Total principal protection
Your initial investment is fully protected from market downturns. This means you can enjoy the benefits of market growth without the fear of losing your principal.
We only work
with the best.
We're backed by top-rated carriers like Allianz, Nationwide, and Midland National to find the best solution for your. Our goals is to make sure you understand the options available: from participation rates to crediting methods, and beyond, we make the complexity of FIAs easy to understand.
Is a Fixed Indexed Annuity right for you?
An FIA may be a great fit if you’re looking to:
- Protect retirement assets from market downturns
- Replace low-yield bonds with smarter tools
- Receive tax-deferred growth beyond your 401(k) or IRA limits
- Ensure guaranteed income without relying solely on Social Security
- Leave a legacy for loved ones without going through probate
Still have questions?
A fixed indexed annuity could be a powerful part of your retirement strategy. At Revise, we’ll help you evaluate the role of FIAs in your overall strategy based on your risk tolerance, income needs, and long-term goals.
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Reducing retirement risk
once and for all.
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Insurance products offered through Revise Insurance Group LLC (domicile IL #3002790618; CA d/b/a Revise Insurance Solutions #6012761).
Revise Insurance Group LLC is NOT a registered investment adviser and does NOT provide advice regarding the purchase, sale, or holding of securities.
Any mention of “portfolio,” “return,” or “performance” refers solely to insurance products—primarily fixed indexed annuities (FIAs)—and is illustrative only. FIAs are insurance contracts, not bank deposits; they are not FDIC- or NCUA-insured, and guarantees rely on the issuing insurer’s claims-paying ability. Contract values may be reduced by surrender charges, market-value adjustments, or other provisions—read the policy and riders carefully.
Hypothetical quiz results illustrate how an FIA could have performed versus selected rate-sensitive benchmarks using back-tested index data from 1 January 2014 – 31 December 2023. They are not a guarantee of future performance and assume no withdrawals or rider costs.
Content is for general educational purposes and should not be construed as personalized investment, legal, or tax advice. Past or hypothetical results do not guarantee future outcomes. Services are offered only where Revise is properly licensed; product availability varies by state.
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