If you're approaching retirement and worried about losing your savings to a market crash, a Fixed Indexed Annuity (FIA) might be the solution you've been looking for. Unlike traditional investments, FIAs offer the opportunity to grow your money based on market index performance — while fully protecting your principal from losses.
How It Works
Your money earns interest linked to an index like the S&P 500. But if the market drops, your account value doesn't go down. You simply earn 0% for that period rather than losing money. When the market goes up, you earn a portion of those gains — giving you real growth potential without the sleepless nights.
Your principal is always protected. You can never lose money due to market performance in a fixed indexed annuity.
Who Is It Best For?
FIAs are ideal for people who are 5 to 15 years from retirement or already retired, have money sitting in CDs or savings accounts earning very little, want to protect their principal from market losses, and want predictable income in retirement.
Key Benefits of a Fixed Indexed Annuity
- Principal protection — your balance can never go down due to market losses
- Market-linked growth — participate in index gains without full market exposure
- Tax-deferred growth — your money grows without being taxed until withdrawal
- Lifetime income options — add an income rider to guarantee payments for life
- Death benefit — your account value passes to your beneficiaries
What About Fees?
Basic fixed indexed annuities typically have no explicit fees. If you add an income rider for guaranteed lifetime income, there is usually a small annual charge — typically between 0.75% and 1.25% of the benefit base. We always walk our clients through every cost so there are no surprises.
How We Help
At Brsan Financial, we compare options across multiple top-rated carriers so you find the annuity that best fits your timeline, income goals, and financial situation — with no cost and no obligation to you. We work for you, not the insurance companies.
If you have money sitting in a CD, savings account, or money market earning less than 2%, there is a very good chance we can show you a significantly better alternative that still keeps your money completely safe.