Offers

• Your savings accumulate at fixed rate of interest set by the bank or the company holding your money.
• Have a guaranteed minimum interest rate that will be earned.
• A term is set to earn the guaranteed rate.
• Typically, there are no fees associated with these strategies.Examples of Fixed investments are:
• Certified Deposits (CD) with banks, Bonds, or Annuities through insurance companies.

Offers

• Market strategy exposes your assets to potential gains and loses determined by the financial market place/economy. 
• Fees are generally associated with these investments

Examples of this would be:

• Investing directly in the stock market 
• Investing in Mutual funds
• Investing in Variable annuities

Indexed Annuities

Indexed annuities do not directly participate in any stock or equity investments. Most indexed annuities permit owners to participate in only a stated percentage of an increase in an index and also impose a “cap rate” that represents the maximum annual account value percentage increase allowed to contract owners. An investment cannot be made directly into an index; that being said, your assets are protected against financial loss due to downturns in the market.

Offers

• Interest is based on changes in a major index such as the S&P 500
• Over the long-term, an indexed annuity may offer the potential for greater earnings than a fixed annuity but may have years, when the index is down when no interest will be credited.
• Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.