Growth Potential Without the Downside Risk
Fixed Index Annuities offer all the protection of a traditional fixed annuity, plus the opportunity to earn more when the market performs well — with your principal always protected and a 0% floor so you never lose what you put in.
What Are Fixed Index Annuities?
A Fixed Index Annuity (FIA) is a type of insurance contract that combines the safety of a fixed annuity with the growth potential of a market index. Your principal is always protected from market losses — but when the index performs well, you benefit from that upside.
Interest is credited based on the performance of a market index, such as the S&P 500, subject to caps, participation rates, and spreads. If the index goes down, you earn zero — not a negative. This unique protection makes FIAs one of the most popular retirement vehicles available today.
Our advisors will help you understand every term and select the annuity that best aligns with your financial goals, timeline, and income needs.
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What You Get with a Typical Fixed Index Annuity
Every annuity contract is unique — our experts help you find the one that fits your life perfectly.
Principal Protection Guaranteed
Your principal is 100% protected from market downturns. If the index performs poorly, your account value will not decrease due to market losses. The floor is always zero — never negative.
Index-Linked Growth Potential
Interest is credited based on the performance of a market index like the S&P 500. When the market goes up, your annuity can earn more than a traditional fixed annuity — giving you growth potential without the risk.
Tax-Deferred Growth
Like all annuities, your FIA grows tax-deferred. This means you won’t pay taxes on your gains until you begin taking withdrawals, allowing your money to compound faster and more efficiently over time.
Guaranteed Lifetime Income
Many Fixed Index Annuities offer optional income riders that provide a guaranteed stream of income for life — no matter how long you live. This eliminates the risk of outliving your savings entirely.
Flexible Crediting Strategies
FIAs offer multiple ways to credit interest — annual point-to-point, monthly sum, and more. Each strategy has different caps and participation rates, and our advisors will match you with the right one for your goals.
Death Benefit for Your Family
Fixed Index Annuities include a death benefit that passes to your named beneficiaries. Your family will receive the remaining account value, ensuring your legacy is protected even after you are gone.
More Information on Fixed Index Annuities
Protect What You’ve Worked a Lifetime to Build.
Your financial future deserves a plan as strong as your dedication to get here. At West Financial Group, we provide clear, honest guidance to help you protect your savings, maximize your income, and leave a lasting legacy for the ones you love.
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