The fixed index annuity journey

Could offering FIAs (fixed index annuities) be your next big adventure?

Preparing for the journey

Clients are curious
Fixed index annuities continue to spike in popularity year after year1. As a stable option attractive to more risk-averse clients, FIAs can help guarantee a client won’t outlive their money through lifetime income options, while still offering a potential for growth.


Using the FIA Journey site
While some may say FIAs seem too good to be true, we created the
fixed index annuity journey site to help you make the discovery for yourself. When you’re ready to start talking about FIAs, simply use the client materials at the bottom of the site, or order a physical FIA journey kit.


What is an FIA?
A fixed index annuity is an insurance contract on which credited interest is based in part upon the performance of an underlying market index. The premium is protected from losses in the market, while a portion of the gains may be credited to the contract. Any credited interest also cannot be lost due to market downturns.

Common obstacles to offering fixed index annuities

  • FIAs are too complicated and have too many moving parts.

    Rebuttal: Like many products, the simplicity can be found in a simple story. FIAs offer a story many consumers may be looking for: growth potential without risk of loss due to market downturns.
  • FIAs are only for risk-averse or conservative savers.

    Rebuttal: The reality is clients who want a financial foundation that cannot be lost due to market downturns could be open to FIAs. As a way to help avoid downside market risk, FIAs can be a vital part of a balanced financial plan.
  • FIA owners’ premium is “locked up” and not accessible.

    Rebuttal: Surrender charge periods help to secure client’s funds so they have the time and opportunity to grow. However, many FIAs have features or optional riders that could help provide some liquidity when clients may need it most.



  • FIAs have little or no growth.

    Rebuttal: Clients may miss some upside potential to have protection. But, while most FIAs average 2-5% growth2 over the long run, some strategies don't have a traditional cap which could mean higher upside potential during market growth years. (Strategies with no traditional cap are still subject to an index margin/participation rate)

Guide to fixed index annuities

What you’re offering may be great, but there may be a gap where a fixed index annuity (FIA) could provide balance. Familiarize yourself with the key FIA benefits, and click ‘read more’ to expand each point.


  1. Downside protection from market downturns.
  2. Potential for growth (that your clients can't lose once credited).
  3. Balance to your existing product offerings.
  4. Flexibility helps protect against the unexpected.
  5. Income clients can't outlive.

Now that you've seen the compelling evidence for fixed index annuities, it's time to decide. Could offering FIAs be your next big adventure?

Get started

Find clients

  • Top 3 places to find FIA clients.
    1. Mine your current book of business.
    2. Partner with local services providers, such as a lawyer, tax accountant, etc.
    3. Ask your trusted clients for referrals or introductions

Client profile

  • Our typical FIA client is getting ready to retire or is early in retirement years and wishes to maintain their current lifestyle in retirement.
  • They value independence, want to avoid market volatility, and desire to leave a legacy for future generations.
  • Do you know someone who fits this description?

Start conversations

Here are the tools you may need to help prepare for the fixed index annuity journey.

Client-friendly presentation

Digital client presentation

Inform clients about fixed index annuities and where they might fit. 
Download PDF
Client-friendly flyer

Common myths debunked

We've debunked 4 common myths we hear about fixed index annuities.

Download flyer
Client-friendly flyer

Financial risk comparison 

See how FIAs stack up in terms of potential risk.

Download flyer
Agent kit

FIA Journey kit

Get the full kit, which includes a spiral-bound client presentation.
Request physical kit