Fixed Indexed Annuity for Growth—Safe Accumulation With Market Upside
How Fixed & Indexed Annuities Work—Safe Growth, No Market Risk
Fixed Deferred Annuities
Traditional fixed deferred annuities credit a set interest rate, often with flexible premiums. They’re ideal for clients who want guaranteed, predictable growth with no exposure to market swings.
Fixed Indexed Annuities (FIAs)
FIAs credit interest based on the performance of an external market index (like the S&P 500). When the market rises, the annuity credits interest (subject to a cap, spread, or participation rate). When the market falls, clients never lose principal—the worst they get is 0% credited for that period. It’s a powerful blend of safety and growth potential.
Why Choose a Fixed Indexed Annuity?
Principal Protection
Never lose your initial premium due to market downturns.
Market-Linked Upside
Participate in a portion of index growth—potentially higher returns than CDs or bonds.
Tax-Deferred Accumulation
Gains compound without current taxes.
Optional Income Rider
Many FIAs offer lifetime withdrawal benefits (guaranteed income) as an add-on.
Bonuses & Promotional Rates
Some carriers offer upfront premium bonuses or special index options.
Flexible Liquidity
Features like free annual withdrawals, nursing home waivers, or penalty-free exit periods are available with many products.
Who Should Consider a Fixed or Indexed Annuity?
- Clients near retirement who want to grow assets safely, without risking loss.
- Savers seeking CD or bond alternatives with better growth prospects.
- Anyone wanting future guaranteed income with the flexibility to accumulate assets in the meantime.
- Clients seeking a balance of growth and liquidity, especially those wary of full market exposure.
DBS Offers the Industry’s Top Annuities—Fully Compared for You
We partner with leading fixed and indexed annuity carriers, including Athene, Allianz, Nationwide, AIG, and more. Each product is unique—some offer high participation rates, others provide uncapped strategies or competitive bonuses. DBS analyzes each product’s caps, spreads, participation rates, income riders, and liquidity features—providing clear side-by-side comparisons so you and your clients can make confident decisions.
Clarity and Confidence—DBS Training, Illustrations, and Ongoing Support
Indexed annuities can be complex, but DBS makes it simple. We provide easy-to-understand educational materials, illustration software, and hands-on training to ensure you can explain and present the best-fit FIA or fixed annuity for every client.
See the Numbers—Request a Personalized FIA or Fixed Annuity Illustration
If your client is interested in an annuity but concerned about the market, let DBS illustrate how a fixed indexed annuity could provide growth tied to the S&P 500 (or other indices) with zero downside. It’s a powerful way to show safety and opportunity side by side.
Fixed & Indexed Annuities—Agent FAQs
How do fixed indexed annuities work?
They credit interest based on an external index’s performance, with principal guaranteed and no risk of loss—even if the index falls.
What’s the difference between fixed and indexed annuities?
Fixed annuities credit a set rate; indexed annuities credit interest linked to market indexes (with caps or participation limits).
Can FIAs provide lifetime income?
Yes, many offer income riders guaranteeing payouts for life, regardless of account performance.
What happens if my client needs liquidity?
Many products allow annual penalty-free withdrawals, plus options like nursing home waivers—DBS helps select the most flexible products.
How does DBS help with compliance and training?
We provide training on product features, compliance checklists, and client-ready presentations to make annuity sales clear and compliant.