Equity Indexed Annuities

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How would you like to take part in the gains of the market and not the losses?
How would you like to have a fixed minimum rate of return?

Well you can have both with an Equity Indexed Annuity (EIA). That’s right if the market goes up so does your account, if the market goes down your account stays the same or you receive the minimum rate of return stated in the contract. You are linked to the market, but you are not in the market. So if you’re tired of losing money in the market and don’t want to take chances anymore. Or you like the minimum guarantee like a CD, then this could be for you. It is the best of both worlds.

Companies that offer EIA’s have several options for Index’s to choose from. Such as Standards and Poor’s 500, Dow Jones, Nasdaq or if you like bonds the Lehmans Index.
They even have fixed accounts. Normally you can make changes to your account from one index to another once a year.

Benefits of Annuities

• Safety of Investment
• Multiple Liquidity options
• Penalty Free Withdrawals
• Guaranteed Income you can never out live
• Probate Exempt with properly named beneficiary
• Tax Deferred with triple compounding capabilities
• Minimum Guaranteed Interest
• No up front sales charges or fees
• In Texas complete Creditor Protection
• Beneficiary Flexibility
• Nursing Care and/or Terminal Illness Riders available in most cases

CDs, Mutual Fund, Stocks, Bonds, and Money Markets do not always offer what Annuities can.