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Index Annuity

Until recently, there were two choices when it came to annuities: fixed annuities and variable annuities.  An index annuity is a cross of both fixed and variable annuities.  It is based on a statistical indicator, the equity market index.  The equity market index provides a representation of the value of the securities which constitute it.  The index annuity pays gains based on the stock market, yet helps protect your principal when the market declines.  Indexed annuities are a popular option for people who want some of the growth potential of a variable annuity, but with less risk.  In other words, an equity-indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits which are linked to an external equity reference.  The most common is Standard & Poor's 500 Composite Stock Price Index (S&P 500) equity index.


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