Fixed Indexed Annuities

Capturing growth with downside protection

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who
has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as
medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not
directly participate in any stock or equity investments, or index. The index used is a price index and does not
reflect dividends paid on the underlying stocks.

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Power of Zero

When the index is negative during an indexed term, the lowest your account can be credited is 0%.

Growth Potential

The potential for your account to receive credit increases with positive index performance.

Lock in Gains

Indexed accounts never earn a negative interest rate. No losses before seeing additional positive growth if the index rebounds.