Top-Rated Fixed Index Annuities

WealthVest Marketing, one of the fastest growing Financial Marketing Organizations in the industry, is pleased to offer world class fixed index products available from top-rated carriers. Fixed index annuities provide a retirement planning solution for clients who want upside potential, but do not want to put their premium at risk.

UNDERSTANDING FIAs

Fixed index annuities, or FIAs, are a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you income, either starting immediately or at some time in the future. In addition, FIAs offer the potential for indexed interest based on changes in select indices.

// WHY ARE THEY CALLED FIXED INDEX ANNUITIES?

Fixed: You can be guaranteed a minimum rate of return from your contract.
Index: Unlike traditional fixed annuities, fixed index annuities allows you to take advantage of market upside with interest credits based on changes in select indices, such as the S&P 500 or the DJIA.¹
Annuity: An annuity is a contract between you and an insurance company. In exchange for paying an initial premium, the insurance company offers you regular income payments, either starting now, or down the road.

// WHO IS INVOLVED IN FIXED INDEX ANNUITies?

The Insurance Company issues the annuity and is responsible for backing its guarantees.
The Annuitant’s life expectancy is used to calculate payments; the Contract Owner makes decisions regarding the annuity. These may be the same person, or not.
The Beneficiary receives the death benefit of the annuity. Without them, the annuity may be subject to probate. If beneficiaries are defined, the proceeds will pass to them without probate.

// HOW DO FIXED INDEX ANNUITIES WORK?

Part One: Accumulation
As soon as you purchase an annuity, it begins gaining interest. Interest is generated from the fixed rate set by the insurance company, or based, in part, on changes in any selected indices. This interest accumulates tax-deferred, which can help your assets grow more quickly. In addition, some contracts may include a Lifetime Income Benefit Rider for an additional fee, which determines how you receive payments during the Distribution phase. Be aware that interest crediting can be limited by features like caps, spreads and/or participation rates.

Part Two: Distribution
When you decide that it’s time to receive income payments, the distribution phase begins. You can choose to annuitize to take payments out on a set schedule, which can be adjusted to last you a lifetime. Alternatively, if you have purchased an income rider, you can take income withdrawals as an alternative to annuitization. However, the income benefit is never available as a lump sum or cash surrender value. Whatever method you choose, fixed index annuities can help you feel more confident about your income in retirement.

Annuities are designed to meet long-term needs and are subject to surrender charges & holding periods. Surrender charges or withdrawal penalties may result in a loss of credited interest and a partial loss of premium. Distributions are subject to ordinary income tax, and, if taken prior to 59½, a 10% federal penalty.

1. Although an external index may affect your contract values, the contract does not directly participate in any stock or investments. You are not buying bonds, shares of stock, or shares of an index fund. It is not possible to invest directly in an index. The market index value does not include the dividends paid on the stock underlying a stock index. These dividends are also not reflected in the interest credited to your contract. Indexed interest could be less than with a traditional product, and could be zero.

CARRIER PARTNERSHIPS

logo for our carrier partner, Delaware Life logo for our carrier partner, Eagle Life
logo for our carrier partner, Allianz