INDEXED ANNUITY QUOTE

Growth Potential With Protection From Market Downturns

A fixed indexed annuity (FIA) lets you earn interest tied to a market index while keeping your principal safe from loss.

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What Is an Indexed Annuity?

An indexed annuity helps you grow retirement savings with the chance to earn more when the market does well, and protection when it doesn’t. It combines steady, tax-deferred accumulation with opportunities for growth based on a market index. Key benefits include:

Growth Potential

Your earnings are linked to a market index, giving you the opportunity to earn more when markets rise, without direct market exposure.

Principal Protection

Your initial investment and credited interest are backed by the insurer’s guarantees, even during market downturns.

Tax-Deferred Growth

Earnings grow without yearly income taxes, allowing your balance to build faster over time.

Guaranteed Income Options

When you’re ready, you can turn your accumulated value into guaranteed payments for life or for a set number of years.

Beneficiary Protection

Many contracts include options to pass remaining value to your loved ones if you pass away before or during income payments.

Flexible Index Choices

Choose one or more index options to align your growth strategy with your goals and comfort level.

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How An Indexed Annuity Contract Works

An indexed annuity helps you grow savings with both protection and growth potential. You make a lump-sum payment or a few payments over time. The insurer credits interest based on a market index and ensures your balance won’t lose value when markets decline. Your earnings grow tax-deferred, helping your savings build more efficiently.

Fund the Annuity: Most indexed annuities begin with a single lump-sum payment. Once funded, your money is placed in one or more index options or a fixed-rate account.
Select Your Index Options: You choose an index that determines how your interest is calculated. The insurer may apply limits, called caps or participation rates, which define how much of the index gains you receive.
Insurer Manages the Contract: Your money isn’t directly invested in the market. The insurer tracks the index and credits interest when it rises. If the index falls, your credited interest will never be negative.
Value Grows Over Time: Interest is added on a regular schedule, often once a year, based on your chosen index.
Convert To Payments Later: When you’re ready, you can turn your accumulated value into guaranteed income for life or for a specific period.¹
Provide for Loved Ones: If you pass away before or during income payments, many indexed annuities include options to pass any remaining value to your beneficiaries.

Want a deeper dive? Read our full guide: 5 Questions to Ask Before Choosing a Fixed Indexed Annuity

Why Choose Western & Southern?

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Is an Indexed Annuity Right for You?

An indexed annuity helps you grow retirement savings with the chance to earn more when markets rise and protection when they fall. It’s designed for people who want steady growth, downside protection and the option to turn savings into guaranteed income later.

Below are examples of who might benefit from an indexed annuity:

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Pension Builder

If your employer doesn’t offer a pension, you can use an indexed annuity to build protected savings that can later become a personal “paycheck for life.”

Balanced Planner

Wants a mix of growth and protection – earning interest when the market performs well without risking losses when it doesn’t.

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Income Bridge Planner

Needs reliable income to cover expenses between retirement and when Social Security or other benefits start.

Tax-Efficient Investor

Prefers to let earnings grow tax-deferred, helping savings compound faster before withdrawals begin.

401(k) Companion

Wants to grow savings alongside a 401(k) or IRA to add balance and some market-linked opportunity.

Legacy Planner

Wants to make sure any remaining value can continue payments or be passed to loved ones.

An indexed annuity is designed for long-term savings and protection. While funds are meant to stay invested through the contract term, many include limited withdrawal options if access to funds is needed.

Not sure if an indexed annuity is right for you? Explore all types of growth annuities.

Frequently Asked Questions About Indexed Annuities

A fixed indexed annuity (FIA), also called an indexed annuity, is a contract that offers growth potential based on a market index while protecting your principal from market losses.

Your money earns interest tied to the performance of a market index. When the index rises, you earn a portion of that growth up to a cap or participation rate. If the index falls, your principal is protected and you won’t lose value due to market downturns.

Yes. Your principal is protected from market loss. Even if the market goes down, your account value won’t decrease due to index performance. The issuing insurance company guarantees the protection, so choosing a financially strong insurer is important.

Most fixed indexed annuities don’t have annual asset-based fees unless you choose optional riders, such as lifetime income benefits. The main “cost” is the growth limits set by caps, spreads or participation rates.

You can withdraw from your annuity after the surrender period ends, or you can convert it into guaranteed income for life through an income option or rider. Timing depends on your contract and retirement goals.

Your money grows tax-deferred, meaning you won’t pay taxes until you withdraw funds. Withdrawals are taxed as ordinary income, and early withdrawals before age 59½ may be subject to a penalty.

Unlike a variable annuity, your principal in an indexed annuity is protected from market loss. Unlike a CD, you have growth potential tied to a market index and tax-deferred compounding. It’s a balance between safety and growth.

IMPORTANT DISCLOSURES

¹ Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based upon the claims paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

Annuities are issued by Integrity Life Insurance Company and Western-Southern Life Assurance Company, both in Cincinnati, Ohio. Securities offered through W&S Brokerage Services, Inc., member FINRA / SIPC. All companies are members of the Western & Southern Financial Group.

Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59 ½ may be subject to 10% IRS penalty.

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