Structured Settlements : Annuity

Fixed Indexed Annuities

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• Benefits of a Fixed Index Annuity or FIA
All about fixed index annuities, also known as equity indexed annuities, or FIAs . This website provides information regarding the advantages. A fixed index annuity (also referred to as an equity indexed annuity) provides you with the best features of a traditional fixed annuity - a guarantee of principal. Unlike most securities or mutual funds where your account balance can fluctuate due to market performance, premium deposited into a fixed index annuity is guaranteed to never go down due to market downturns. A contract owner of a fixed index annuity participates in market-indexed interest without market-type loss.

Indexing is simply an investment strategy that follows the performance of select securities, such as the Standard & Poor’s 500® Index. The S&P 500® is a collection of 500 select industry leaders and thus a benchmark for U.S. Stock Market performance. A fixed index annuity is linked to the performance of this type of market index, without the risk of directly participating in stock or equity investments.
www.fixedindexannuity.com

• Index Annuity - What Are Indexed Annuities ? - FIXED INDEX ANNUITY ...
An indexed annuity is a fixd annutiy that earns interest or provides benefits that are linked to an external equity reference or an equity index.

Other fixed annuities also credit interest at rates set from time to time by the insurance company. Indexed Annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any, is calculated and credited.
www.annuitydefinition.com

• Insurers slow production of fixed-index annuities - Investment News
Insurers, concerned about conserving capital, have put the brakes on their fixed -index-annuity production, a move that advisers say could. Some carriers have changed their interest crediting methods, lowering crediting rates by adjusting spreads and participation rates, which determine the amount of index gain credited to the anniuty, as well as the interest rate caps, which limit the maximum amount that the annuity can earn.
www.investmentnews.com

• Explanation of Fixed Index Annuities
Fixed index annuities are a unique investment vehicle that let you participate in the stock market with zero potential risk. Find out more. A fixed index annuity (also known as an equity annuity) is an insured investment that ties your interest rate to the growth a major stock market index, like the S&P 500. As the S&P 500 rises, the insurance company credits your account with interest, minus the cut it takes for itself. Compare index anuity risk.
www.freeannuityrates.com/annuities/index/fixed-index-annuity.php

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