Skip to main content
Annuities

Fixed index annuities

Fixed index annuities offer index-linked earnings and downside protection focused on building and protecting your assets for the future.

Growth potential with principal protection

A fixed index annuity is designed to grow your retirement savings through interest earned based on market indices. Your money is never exposed to downside market risk. Your annuity value increases when the index goes up, but you won't lose money when the index goes down.

You control your money — coming in or going out

It starts by choosing your index accounts and crediting strategies, providing the ability to diversify your retirement strategy. Then, on appropriate contract anniversaries — every one or two years based on the strategy chosen — "index credits" are determined on these accounts and applied to your contract's current Accumulation Value.

What are the advantages of a fixed index annuity?

Different fixed index annuities offer their own unique advantages, but in a nutshell, they all offer:

  • Protection of your principal
  • Tax-deferred, index-linked earnings
  • Built-in guarantees
  • Withdrawal privileges for liquidity
  • A variety of account options for diversification

EquiTrust offers a variety of fixed index annuities including:

Accumulation-focused with bonus

Explore

Income-focused with bonus

Explore

Hybrid FIA with LTC rider

Explore

Guarantees are based on the claims-paying ability of EquiTrust Life Insurance Company. Withdrawals before age 59½ may result in a 10% IRS penalty tax. Withdrawals do not participate in index growth. In the event of a full surrender, charges will apply to any penalty-free amounts taken during the same contract year.