Learn FIA
- Interest rates are guaranteed to be no less than zero
- Your principal is safe
- Providers often have tens of billions in asset as back-up
- Prestigious agencies rate most annuity providers highly stable
- Interest credited is based on stock market indices[1] yet guaranteed no less than zero.
- Profit is often locked annually[2]
- Up to about a 20% bonus
[1] Some indices utilize algorithm to include multi-asset and fixed income strategies.
[2] Some index strategies lock profits every 2 ~ 5 years.
Grows by interest credit and a 120% ~ 175% Multiplier[3]
Determines Lifetime Income amount
Raises the Death Benefit amount[4]
Guarantees annual withdrawals for life time, even till age 85, 95, 105 or more
Self-made 'Pension'
Joint-life option provides continuous income for life even after one spouse dies
A waiting period for an investor before s/he can withdraw without a penalty, despite some exceptions.
Some restriction in early withdrawals during the first 5 to 10 years.
Surrender Charge (penalty) is expressed as a percentage(%) on excessive withdrawals.
Allows for a 10% withdrawal annually.
Provides some flexibility for partial withdrawals.
Limited access to the cash value during the Surrender Period.