Your Free Fixed Indexed Annuity Buyer's Guide

This guide explains how fixed indexed annuities work. In a down year, index-linked interest is credited at 0% rather than a loss, so market declines alone don't reduce your contract value. Fees, surrender charges, market value adjustments and withdrawals can, and any guarantees depend on the issuing insurance company's claims-paying ability. It also covers how index-linked growth potential works, what fees and surrender terms typically look like, and questions worth asking before buying one. Free, yours to keep, and useful with any agent, about any annuity. Answer a few quick questions and it goes to your email, and a member of our team may follow up to hear what you're weighing.

Fixed Indexed Annuity Buyer's Guide cover

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What's inside

  • What a Fixed Indexed Annuity Actually Is (And Isn't)
  • How Crediting Actually Works: Caps, Participation Rates, and the Floor
  • The Floor Has Limits — What "Protected" Doesn't Mean
  • Who a Fixed Indexed Annuity Fits — And Who It Doesn't
  • Questions to Ask Any Agent Before You Buy
  • How to Compare Offers Apples-to-Apples
  • Current Law and What to Expect in a Suitability Review
Questions worth asking before buyingFree, yours to keepA member of our team may follow up

Guarantees, including any income or death benefit guarantees, are subject to the claims-paying ability of the issuing insurance company. Interest rate caps, participation rates, and other crediting terms are subject to change at renewal, within any contract-guaranteed minimums. Surrender charges and optional rider fees may apply. Withdrawals may be subject to surrender charges and ordinary income tax, and withdrawals before age 59½ may be subject to a 10% federal additional tax. Fixed indexed annuities are insurance products, not securities or investment advisory products, and are not FDIC or NCUA insured, are not bank deposits, and are not guaranteed by any bank or credit union. Fixed indexed annuities do not directly participate in any stock, equity, or index investment. Any case examples or illustrations referenced in this material are hypothetical; they do not represent actual client results, and individual outcomes will vary based on the specific product, carrier, and market performance. Not tax, legal, or investment advice. Insurance products are offered through licensed insurance producers authorized to serve your state and contracted through Trawick Financial Services. Matt Nye is an insurance producer licensed in Florida and other states, NPN 8829231. Videos on this site feature an AI-generated likeness of Matt Nye. Trawick Financial Services and its producers operate under a suitability / best-interest standard applicable to insurance product recommendations; producers are not acting as fiduciaries. Secured Future and Trawick Financial Services are not affiliated with, endorsed by, or acting on behalf of any government agency. Product availability and features vary by state.

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