Indexed Annuities
Growth linked to market indexes, with a floor that protects your principal from losses.
Growth potential without the sleepless nights.
An indexed annuity is a contract with an insurance company that credits interest based on the performance of a market index — like the S&P 500 — while guaranteeing that your principal can never be lost to market downturns. You participate in gains, but never in the losses.
For many families approaching or in retirement, indexed annuities offer a middle path: more growth potential than a fixed annuity or savings account, with far less risk than direct market investments.
Why families choose indexed annuities.
Downside Protection
Your principal is protected from market losses — when indexes fall, your account simply holds its value.
Index-Linked Interest
Capture a portion of market gains through index strategies, caps, and participation rates.
Lifetime Income Options
Optional riders can turn your annuity into guaranteed income you cannot outlive.
How We Help
- Compare index strategies, caps, and spreads across carriers
- Evaluate riders for guaranteed lifetime income
- Understand surrender-charge schedules and access to your money
- Decide whether an annuity fits your overall retirement plan
- Coordinate annuity income with Social Security and other sources
Who It's For
- Retirees protecting savings from market downturns
- Those nearing retirement who want safety plus growth
- Anyone with an income gap to cover in retirement
- Conservative savers seeking better returns than CDs or savings accounts
Ready to talk about indexed annuities?
Schedule a complimentary, no-obligation consultation with a licensed TriYash advisor.