THE ANNUITY TRUTH

Understand the tradeoffs. Then decide.

“Market Upside Without the Downside”What Does That Really Mean?

What fixed indexed annuities may protect, and how interest is credited.

THE ANNUITY TRUTHONE-PAGE GUIDE

“Market Upside Without the Downside”: What Does That Really Mean?

What fixed indexed annuities may protect, and how interest is credited.

A few questions inside the guide

EDUCATIONAL REFERENCE
  1. 1.How is credited interest calculated under the actual contract?
  2. 2.Which limits apply now, and what can change at renewal?
  3. 3.What could reduce my contract value even without a negative index return?

Hypothetical Periods: Cap • Participation • Spread • Floor

Up Year+Cap Limit
Flat Year0% Floor
Down Year0% Floor
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Index performance and credited interest are not the same thing. Get a one-page guide explaining the protection, limits and tradeoffs behind a familiar annuity promise.

  • See simple hypothetical examples of up, down and flat index periods.
  • Understand how caps, participation rates and spreads can affect credited interest.
  • Learn what protection from negative index performance does and does not cover.

Use it with any advisor or any contract you’re considering.

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