Index Variable Annuities
Grow Your Assets with a Modicum of RiskIndex Variable Annuities Can Offer:
A level of protection through index strategies
Tax-deferred growth potential.
Performance potential through variable options and/or index options
Income options.
Death benefit options.
How Do Index Variable Annuities Work?
1. Customize your investment
You give the insurance company money in one or more payments. Some index varialbe annuities let you customize your annuity contract based on your individual accumuation objectives and risk tolerance by choosing from traditional variable options and index options.
3. Tax Deferred Growth
You defer paying taxes on your contract’s interest until you receive money from the contract. Tax-deferred interest means the money in your annuity can grow faster.
2. Accumulation Phase
You contract’s vallue may increase or decrease, depending on the performance of the investments you choose. Index variable annuities allow you to trade some potential gains from market growth in exchange for a leve of protection from down markets.
4. Distribution Phase
After a period of time specified by your annuity, you may then receive the amount allowed by your annuity in a lump sum, over a set period of time, or as income for the rest of your life.
Annuities are complex products that include many features and factors. It is important to understand the balance beween all features available with any annuity. You should consult with a financial professional to determine if an annuity is appropriate for your needs.
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