Customized Fixed Indexed Annuities for financial growth, health-activated protection, and lifetime income.
You've worked decades to build your retirement savings. You've weathered market crashes, economic uncertainty, and rising costs of living. Now, as you approach or enter retirement, one question keeps you up at night:
"Will my money last as long as I do?"
You're not alone. According to recent studies, outliving savings is the #1 financial fear among Americans aged 55 and older. The challenge is real: Traditional savings accounts offer safety but barely keep pace with inflation, while the stock market offers growth potential but comes with volatility that can devastate a retirement portfolio at exactly the wrong time.
Fixed Indexed Annuities have emerged as a popular solution for retirees seeking a middle path—one that offers protection from market losses while still providing opportunity for growth.
Your contract value is protected from market downturns with a 0% floor. When markets decline, you don't lose principal due to market performance. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Your earnings are tied to the performance of market indexes like the S&P 500—without directly investing in the market. Participate in a portion of market gains subject to your contract's cap and participation rate.
Your earnings grow without annual taxation, potentially allowing for faster accumulation compared to taxable accounts. Withdrawals are taxed as ordinary income; a 10% federal penalty may apply to withdrawals before age 59½.
Convert your contract value into a stream of income payments you cannot outlive—backed by the claims-paying ability of the insurance company. Optional income riders available for additional fee.
Most contracts allow penalty-free withdrawals up to 10% annually after the first year. Additional provisions may allow access for nursing home care, terminal illness, or death benefit to beneficiaries.
Many contracts include death benefit features, allowing you to pass remaining contract value to beneficiaries, often avoiding probate. Spousal continuation options may be available.
Think of it like a staircase—each step up represents a year the market performs well, and each landing represents a year the market declines. You simply stay on that landing without losing ground. Certain strategies use multi-year crediting strategies to unlock greater performance potential.
You make a single premium payment or series of payments to the insurance company. Your contract is issued with specific terms for index crediting and protection.
Your contract's growth is linked to a market index (like the S&P 500). When the index performs positively, your contract may earn interest based on that performance.
When markets decline, your contract value stays the same due to the 0% floor. You never lose principal due to negative index performance. Once credited, gains are locked in.
| Market Performance | Traditional Investment | Fixed Indexed Annuity |
|---|---|---|
| Market up 10% | +10% | Participate in gains* |
| Market up 5% | +5% | Participate in gains* |
| Market flat (0%) | 0% | 0% |
| Market down 10% | -10% | 0% (Protected) |
| Market down 20% | -20% | 0% (Protected) |
*Actual participation subject to contract terms including caps, spreads, and participation rates. Past performance does not guarantee future results. All guarantees are subject to the claims paying ability of the issuing insurance company.
See how Fixed Indexed Annuities stack up against other common retirement options.
Move your retirement savings into a Fixed Indexed Annuity without triggering taxes or penalties. We help you navigate the paperwork for a seamless, tax-free transition.
Leaving your job or retiring? Roll over your 401(k) or 403(b) directly into an FIA without triggering a tax event. Your money continues growing with a principal safety net.
Already have an IRA? Transfer it to an FIA IRA with no tax consequences. This is the simplest option with minimal paperwork for immediate peace of mind.
Exchange an existing annuity for a new FIA under IRS Section 1035. Upgrade your features or income guarantees without triggering a tax event.
Review your current accounts to determine the best strategy.
We handle the paperwork with your current custodian.
Funds move directly from custodian to custodian.
Your FIA begins with tax-deferred growth immediately.
Important: Direct transfers are generally not taxable events. Regal Health & Retirement does not provide tax advice; always consult a tax professional regarding your specific situation. Not financial advice. These are insurance products designed for principle protection first and foremost.
Today's Fixed Indexed Annuities offer sophisticated financial protection that goes far beyond simple surrender charge waivers. Through guaranteed roll-ups, index multipliers, and income benefit base growth, these contracts can provide substantial leverage when health challenges arise.
This is your actual contract value—the amount you could withdraw in a lump sum (minus surrender charges). It grows based on index performance with caps typically ranging from 8-12% in today's market.
This is a separate "shadow" calculation used ONLY to determine your lifetime income payments. It grows through guaranteed roll-ups (often 7-10%) and premium bonuses, often outpacing the cash value significantly.
Key Point: When you activate income—especially during a health event—you receive payments based on the HIGHER Income Benefit Base, not the Account Value. This is where the leverage comes from.
Unlike income-only bonuses, some contracts credit a premium bonus (10%, 20%, up to 30%) directly to your cash value, which then compounds with index gains over the contract term. This is real money that vests over time.
Your cash value grows through annual index credits. In 2024-2025, caps have reached 11-12% on many contracts. Historical FIA returns have averaged 4-7% annually, with some years reaching 8-10%.
Many FIAs guarantee your Income Benefit Base grows at 7%, 8%, or even 10% annually for up to 10 years—regardless of market performance. This creates the leverage for enhanced income.
Here is where the real leverage of our framework happens. When you experience a qualifying health event, many modern FIAs don't just waive surrender charges—they provide massive financial leverage through income multipliers and benefit base acceleration.
If you cannot perform 2 of 6 Activities of Daily Living, your framework provides immediate leverage to cover care costs without depleting your principal.
Confinement in a qualified nursing home or assisted living facility can trigger priority access to your enhanced framework values.
If diagnosed with a terminal illness, your framework provides full liquidity when you need it most for care or family support.
The Result: Through premium bonuses and roll-ups, the Income Benefit Base grew to over 3x the original premium. When a chronic illness occurred at age 75, the client had two powerful options: (1) Double their income for 5 years, OR (2) Access the entire $781,250 Income Benefit Base over 5 years—accessing $273,000 MORE than their cash value alone would have provided. This is the leverage that modern FIAs offer.
Important Disclosures: Income Benefit Base, roll-up rates, multipliers, and health-activated benefits vary significantly by contract and carrier. The Income Benefit Base is a calculated value used solely to determine income payments and cannot be withdrawn as a lump sum. Roll-up rates are typically simple interest, not compound. Health-activated benefits require meeting specific contract conditions and may have waiting periods. These benefits are not long-term care insurance. Guarantees are subject to the claims-paying ability of the issuing insurance company. Consult with a licensed professional to understand the specific features of any contract.
We partner with top-rated insurance companies that have demonstrated excellence in Fixed Indexed Annuity products.
Get answers to the most common questions about Fixed Indexed Annuities.
A Fixed Indexed Annuity (FIA) is a contract with an insurance company that offers principal protection with growth potential linked to market indexes. It is designed for retirees who want to participate in market gains without the risk of losing their initial investment.
Yes. FIAs provide a 0% floor, meaning your contract value will never decrease due to a market downturn. All guarantees are backed by the claims-paying ability of the issuing insurance company. We partner with top-rated carriers like American National, Allianz, Athene, and Corebridge to provide maximum stability.
Most contracts allow for 10% penalty-free withdrawals annually after the first year. Many also include built-in waivers that grant 100% access to your funds without surrender charges in the event of a terminal illness diagnosis or qualified nursing home confinement.
An income rider creates a guaranteed stream of income you cannot outlive. It typically uses an Income Benefit Base that grows at a guaranteed rate (roll-up), which can be significantly higher than your cash value. This creates the leverage needed to generate maximum retirement income. Some contracts come with these riders built in.
FIAs offer tax-deferred growth, allowing your money to compound faster because you don't pay annual taxes on interest credits. When you take withdrawals, they are generally taxed as ordinary income. Consult with a tax professional regarding your specific situation.
An FIA is ideal for those approaching or in retirement who want to eliminate market risk while still benefiting from market growth. It’s perfect for individuals seeking a "rising floor" for their income and protection against outliving their retirement savings.
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