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Imogene LewisBroderick
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Published on 1/23/2014
For additional information  Click Here


The fixed Indexed (or equity indexed) annuity is a fixed annuity that aligns the investment with indexed securities that are invested aggressively, with the aim of returning higher growth, to the annuitant.

Fixed vs. Equity Indexed

Similar to a fixed annuity, the fixed indexed/equity indexed annuity is an insured investment that offers a guaranteed minimum interest rate that is tied to the growth of major stock market indices like the Standard and Poor’s 500. The equity indexed annuity literally takes the potential risk out of a stock market meltdown, due to the fact that the investment is guaranteed by the insurance company.

When compared to a pure fixed annuity, the indexed annuity offers the same return guarantee, meaning that the policyholder will NEVER receive less than invested.  The major difference between the fixed annuity
and an equity indexed annuity is the fact that the fixed annuity has a constant rate of return, while the indexed annuity affords the investor the chance of getting a larger return, if the equity has excessive growth.

For the equity indexed annuity, there is uncertainty about how much will be paid from one payment to the next, but it will never be lower than the guaranteed amount.

An annuitant can certainly find peace in the fact that equity usually out performs debt-based investment instruments over the long-term and it less risky than a variable annuity or mutual fund.


The normal flow is that the insurance company could reserve the initial returns and distribute any excess to the annuitant. For example, with any return of say 12%, the insurer could keep the first 4% and pay the remaining 8% to the annuitant.

On the contrary, if that same 12% return was achieved and the annuitant was guaranteed 4% on a fixed annuity, the insurer would be justified to keep the 8% and give the guaranteed amount to the annuitant.


The fixed indexed annuity is designed to give the annuitant the assurance that a retiree would be protected from: 1) Outliving income; 2) Excessive taxation; 3) Inflation and 4) the cost of death.

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