Current rates
Current caps and participation rates are not posted here
Rates change by product, premium, age, issue date, and state. Use the form below to request a current illustration for your situation. No figure on this page is a quote or guarantee.
What is a fixed index annuity?
A fixed index annuity is an insurance contract. Your money is not invested directly in the stock market through the annuity.
Interest may be credited using a formula linked to an outside index, such as a stock index. Limits apply. Common limits include a cap (a maximum) or a participation rate (a percentage of the index gain).
Example: If the index rises 10% and the participation rate is 70%, credited interest could be 7% for that period—before other contract rules. If the index falls, many contracts credit 0% for that period rather than a market loss to the account (contract rules vary).
People sometimes call these “hybrid” annuities. Your state regulates fixed and variable annuities. An index “hybrid” is typically a fixed index annuity. Learn more at Hybrid Annuity Myth and Annuities Explained.
Request the free buyers guide and a quote
Three short answers. Jeff will call to confirm you are a real person, then email brochures and income quotes. Your information is not sold.
Common questions
What is a fixed index annuity?
It is an insurance contract. Interest may be linked in part to an index, with caps or participation limits. You are not buying shares of that index.
Is a “hybrid” annuity something else?
Usually no. Marketing often uses “hybrid” for a fixed index annuity that may offer income riders. Regulators still treat it as a fixed insurance annuity when structured that way.
Will I get brochures right away?
After you submit the form, Jeff calls to confirm you are a real person. Then he emails one to three fixed index annuity brochures, income rider information, and quotes based on your goals.
Are website rates a guarantee?
No. This site does not post live rates. Ask for a current illustration for your state and age.