Secure Guaranteed Income You Can Never Outlive
Protect your hard-earned savings from market crashes while creating a predictable, guaranteed lifetime income stream for your retirement.
- ✓ 0% Floor protects your principal from market crashes
- ✓ Tax-deferred growth accelerates your wealth accumulation
- ✓ Generate predictable, guaranteed lifetime income
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How Does an FIA Work?
A Fixed Indexed Annuity (FIA) is a powerful retirement vehicle. It protects your principal from market downturns while allowing you to participate in market gains, creating a reliable financial foundation.
Zero Market Risk
Your account value grows based on market indexes like the S&P 500, but features a 0% floor. If the market crashes, you lose nothing and lock in your gains.
Guaranteed Lifetime Income
Turn your savings into a personal pension. You can create a predictable, guaranteed income stream that you cannot outlive, regardless of market conditions.
Tax-Deferred Growth
Your money grows faster because you do not pay taxes on the interest you earn until you begin taking withdrawals, maximizing your compound interest.
Legacy & Probate Avoidance
If you pass away before receiving your full account value, the remaining funds pass directly to your beneficiaries, avoiding the time and expense of probate.
FIA Income Calculator
See how much guaranteed lifetime income your current savings could generate. Adjust the sliders below to view your potential growth and payout.
Estimated Account Value
$162,889
Guaranteed Annual Income
$9,773 / yr
Lock In This Rate*This is a hypothetical example assuming a 5% average annual growth rate and an age-based withdrawal rate. Actual rates vary by carrier and product.
What Our Clients Say
Real results from retirees who secured their financial future with an FIA.
Fixed Indexed Annuity FAQs
Get the facts on protecting your retirement savings.
No. Fixed Indexed Annuities (FIAs) feature a 0% floor. This means your principal is protected from market downturns. When the market rises, you earn a portion of the gains. When the market crashes, you lose nothing and your previous gains are locked in.
Many FIAs offer an optional Income Rider. This rider guarantees a specific payout amount every year for the rest of your life, effectively acting as a personal pension, regardless of how long you live or how the market performs.
FIAs offer tax-deferred growth. You do not pay capital gains or income taxes on the interest your annuity earns while the funds remain inside the contract. You only pay ordinary income taxes when you begin taking withdrawals.
A Variable Annuity invests your money directly in the market, meaning you can lose your principal if the market drops. A Fixed Indexed Annuity links your returns to a market index (like the S&P 500) but uses a 0% floor to guarantee your principal is never exposed to market losses.
Most FIAs allow penalty-free withdrawals of up to 10% of your account value annually. Withdrawing more than that during the initial surrender period may incur a surrender charge. Additionally, withdrawals before age 59 ½ may be subject to a 10% IRS penalty.
If you pass away before receiving your full account value, the remaining funds typically pass directly to your named beneficiaries as a death benefit, allowing your heirs to bypass the costly and time-consuming probate process.
Minimum premiums vary by insurance carrier, but many top-rated companies require an initial premium of $10,000 to $20,000 to open a Fixed Indexed Annuity.
Getting a quote and exploring your options with Sura Guard is 100% free. The insurance carriers pay the agent commissions directly; it is never deducted from your initial premium.
Unlike variable annuities or actively managed accounts, FIAs typically do not have internal management fees or expense ratios. 100% of your premium goes to work for you. The only fees you might encounter are if you choose to add an optional rider, such as a guaranteed lifetime income rider.
Your growth is based on a market index, but it is subject to caps (a maximum percentage) or participation rates (a percentage of the index's total return). We match you with top-tier carriers offering the most competitive caps and uncapped participation rates to maximize your upside potential.
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