Millions of Americans leave thousands of dollars on the table every year keeping money in CDs, bonds, and savings accounts that earn next to nothing — while taking on hidden risks they don't see coming.
Four forces silently work against retirement savings. A solid plan addresses each one — and a Fixed Indexed Annuity is uniquely designed to combat all four.
Inflation erodes buying power over time. If you retired in 2000, your income today would need to be 50% higher just to maintain the same lifestyle. A $20 purchase in 2000 costs $30 today.
The S&P 500® has lost roughly half its value twice in the past 20 years. Withdrawing from accounts during a downturn locks in losses — and can permanently damage your nest egg.
Low interest rates reduce the growth of savings and CDs. In a low-rate environment, conservative savers can see their assets exhausted earlier than expected — sometimes decades too soon.
1 in 3 people aged 65 today will live past 90. The old "4% rule" for withdrawals is now considered too aggressive — many experts recommend just 2.8%. Running out of money is the #1 retirement fear.
An annuity is a contract between you and an insurance company. You contribute a lump sum and receive guaranteed growth, protection, and often a guaranteed income — for life.
Your money grows based on a market index (like the S&P 500), but your principal is 100% protected from losses. You participate in gains — and never lose a dollar when markets fall.
A MYGA locks in a guaranteed interest rate for 3, 5, or 7 years with zero market risk. It typically outperforms bank CDs while providing tax-deferred growth advantages.
A SPIA converts a lump sum into an immediate income stream — starting within 30 days. Ideal for those who need reliable income right now to supplement Social Security.
The most powerful option: combine FIA protection with an optional income rider. Your income base grows at a guaranteed rate — and you turn on a lifetime paycheck whenever you're ready.
Millions of Americans — and their parents — are keeping large sums in CDs, savings accounts, and bonds that may not keep up with inflation, taxes, or life expectancy. See how they compare to a Fixed Indexed Annuity.
| Feature | Bank CD | Savings Account | U.S. Bond / Bond Fund | Fixed Indexed Annuity |
|---|---|---|---|---|
| Principal Protection | ✓ FDIC (up to $250K) | ✓ FDIC (up to $250K) | ⚠ Bond funds can lose value | ✓ 100% Protected |
| Growth Potential | Fixed rate only (low) | Very low (0.5–2%) | Moderate, but rate sensitive | ✓ Index-linked (higher potential) |
| Tax-Deferred Growth | ✗ Taxed annually | ✗ Taxed annually | ✗ Taxed annually | ✓ Tax-deferred until withdrawal |
| Guaranteed Lifetime Income | ✗ No | ✗ No | ✗ No | ✓ Optional income rider available |
| Inflation Protection | ✗ Rate may not keep pace | ✗ Typically falls behind | ⚠ Limited | ✓ Index growth may outpace inflation |
| Death Benefit for Heirs | ✗ Goes through probate | ✗ Goes through probate | ✗ Goes through probate | ✓ Passes directly to named beneficiaries |
| Long-Term Care Protection | ✗ No | ✗ No | ✗ No | ✓ Select products double income if confined |
| Penalty for Early Withdrawal | ⚠ 3–12 months interest | ✓ Usually none | ⚠ Market value risk | ⚠ Surrender period (10% free yearly) |
| Minimum Amount | $500–$1,000 | $0–$100 | $100–$1,000 | $20,000 |
If someone you love has significant savings sitting in a bank CD earning 3–5% that gets taxed every year, they may be missing out on tax-deferred growth, guaranteed lifetime income, and protection from market loss. A Fixed Indexed Annuity could be a smarter home for those funds — especially if they have $20,000 or more in a CD that's coming due, a savings account, or a bond that's maturing.
The conversation is simple: "Dad / Mom / Grandpa — your CD is coming due. Before you just roll it over, let's take a 2-minute quiz to see if there's a better option that protects your money AND could give you guaranteed income for life."
Take the Assessment Together →The S&P 500 is mostly positive — but a single stretch of bad luck at the wrong time can permanently destroy a retirement. Understanding this is critical before deciding where to put your savings.
Two investors both average the same 121% return over 20 years. But the order of returns is flipped. Same total performance — very different outcomes when withdrawing income.
An annuity separates your safe income floor from market risk — so a bad run of returns at the wrong time doesn't bankrupt your retirement.
Retirement planning is time-sensitive. Each age milestone unlocks options — and creates urgency. The best time to act is now.
Answer 7 quick questions about your age, goals, and finances
Our algorithm identifies the annuity types best suited to your situation
See specific products with rates, terms, and income projections
Request a no-obligation personalized quote from a licensed advisor
Answer 7 questions to get a personalized annuity suitability score and product recommendations — about 2 minutes. You can print your results at the end.
Ready to see real numbers? A licensed advisor will run exact projections for your age, premium amount, and goals — at no cost or obligation. Minimum $20,000 to get started.
Get My Free Annuity Quote →Enter your contact info below and a licensed advisor will reach out with a customized annuity illustration based on your results. No pressure, no obligation.
🔒 Your information is secure and will never be sold or shared.
Each product serves a different financial situation. Your assessment will match you to the best fit. Minimum $20,000 initial premium.
7-year multi-year crediting strategy with diversified index allocation. Spread risk across multiple indices for more consistent returns.
Convert a lump sum — including a maturing CD — into guaranteed monthly income starting within 30 days.
FIA with free income and death benefit rider — income that automatically doubles if you need long-term care.
20% upfront income base bonus + 10% simple interest growth per year for 20 years — the most powerful income builder available.
Access next-generation technology indices with Index Lock — lock in gains daily so you never give them back to the market.
Lock in a guaranteed fixed interest rate for 3, 5, or 7 years. The smarter CD alternative — no market risk, better rates, tax-deferred.
7, 10, and 15-year versions with premium bonus on 10/15-year contracts. Plus version adds Return of Premium guarantee.
Your original investment is shielded from market downturns. You participate in gains — never in losses.
Lifetime income riders guarantee a monthly paycheck for as long as you live — no matter how long that is.
Your money grows without annual taxes on gains. You pay tax only when you withdraw — often at a lower rate.
Remaining account value passes directly to your named beneficiaries — often bypassing probate entirely.
Select products double your income if you require care facility services — built-in protection at no extra cost.