Equity Indexed Annuities are Fixed Annuities that provide you with investment returns based on a stock market index.  They come in different flavors, e.g., some give you a choice of only one index, while some annuities offered by other companies may allow you to select different indexes, based on your taste.  The biggest advantage of buying this kind of an annuity is that you participate only in the stock market GAINS, and NOT its losses.  However, you should read and understand about the annuity product you are interested in, before you invest your money into it.  This is because they all come with different structure, features, interest crediting methodology, as well as caps as to the maximum interest rate you can earn.  As such, you should always consult a financial professional before making any final decision.  For your benefit, we have listed a few such annuities.  Contact us for product details, brochures or an application.

Life USA, a highly rated insurance company, offers this annuity in which the policy return is based upon the performance of the S&P 500 index.  The return equals the excess of average monthly S&P 500 index values for the year, over the beginning value at the start of the policy year.  This is further adjusted based on the participation rate, and a maximum cap rate. 

Another highly rated company, which is very innovative with its Equity Indexed Annuities.  It allows investors multiple investment choices with regards to the index selection, e.g., Dow Jones Industrial Average, Russell 2000, S&P 400, S&P 500, and Nasdaq 100.  The name of the products are listed on the left.  Request brochures thru email or phone.