Fixed index Annuities
Secure your retirement with Fixed Index Annuities (FIA) from Limitless EA. Enjoy the perfect blend of guaranteed principal protection and market growth, with lifetime income for financial peace of mind.
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Key Benefits of Fixed index Annuities
Principal Protection: Your initial investment is protected, meaning you won’t lose your principal even if the market performs poorly. This makes FIAs a safe option for individuals seeking security in their retirement savings.
Tax-Deferred Growth: FIAs offer the advantage of tax-deferred growth, allowing your investment to compound without being taxed until you withdraw. This provides a significant boost to long-term savings growth compared to taxable accounts.
Guaranteed Minimum Returns: Even during years of poor market performance, FIAs often come with a guaranteed minimum return. This ensures that your savings continue to grow, even if the index linked to your annuity underperforms.
Market-Linked Growth Potential: While your investment is protected from losses, you can still benefit from market gains. FIAs allow you to earn interest based on the performance of a stock market index, offering growth potential without the full risk of market exposure.
Lifetime Income Options: After the accumulation phase, FIAs provide guaranteed income for life, ensuring you have a steady stream of income throughout retirement. This can be structured as a lump sum or monthly payments, depending on your needs.
Why Choose Fixed Index Annuities from Limitless EA?
Our Fixed Index Annuities offer lifetime financial security, tax-deferred growth, and guaranteed protection of your principal. Whether you're looking to secure a steady retirement income, protect your savings from market volatility, or grow your wealth safely, our expert team will guide you through every step.
Protect your future with Limitless EA’s Fixed Index Annuities — stability today, growth tomorrow.
Frequently asked questions
Have questions about how Whole Life Insurance works and how it can benefit you? We’ve compiled answers to the most common questions to help you better understand the benefits, features, and options available with our Whole Life Insurance policies.
What is a Fixed Index Annuity (FIA)?
A Fixed Index Annuity (FIA) is a financial product that provides guaranteed protection of your principal while allowing your savings to grow based on the performance of a stock market index, such as the S&P 500. It combines the safety of fixed annuities with the growth potential of index-linked returns, offering both security and growth opportunities.
How do FIAs protect my principal while offering growth?
FIAs protect your principal by ensuring that even if the market performs poorly, you won’t lose any of your initial investment. At the same time, your earnings are tied to the performance of a chosen stock market index, allowing for growth without the risk of market losses. Gains are typically capped to limit potential risks but ensure steady growth.
Can I access my money early with a Fixed Index Annuity?
Yes, most FIAs allow for free withdrawals of up to 10% of the contract value annually. However, accessing more than this amount during the surrender period (usually 5-10 years) may result in surrender charges. After the surrender period, you can withdraw without penalties.
What are the tax benefits of Fixed Index Annuities?
FIAs offer tax-deferred growth, meaning you don’t pay taxes on your earnings until you begin withdrawing them. This allows your investment to grow faster compared to taxable accounts, as taxes are deferred until the payout phase.
What happens to my Fixed Index Annuity when I pass away?
FIAs come with a death benefit, ensuring that any remaining balance in your annuity is transferred to your beneficiaries. This process often bypasses probate, providing a seamless transfer of funds to your loved ones.