Protect Your Retirement from Market Crashes with Fixed Index Annuities
Worried about how to protect your retirement from a market crash? You’re not alone. Market volatility can wipe out years of hard-earned savings in an instant — but it doesn’t have to. Fixed Index Annuities (FIAs) offer a powerful way to safeguard your retirement nest egg. With guaranteed protection from losses due to market downturns and the potential for steady growth, FIAs help you sleep better at night knowing your future is secure. Discover how you can shield your retirement income while still participating in market gains — without the risk of losing it all.
Why Fixed Index Annuities Are the Smart Choice for Protecting Retirement Savings
Protection from Market Losses
FIAs shield your retirement savings from market downturns — when the market drops, your principal and credited gains are locked in and protected.
Guaranteed Income for Life
Avoid the risk of outliving your money. Fixed Index Annuities offer options for lifetime income, providing reliable cash flow through retirement.
Tax-Deferred Growth
Your money grows tax-deferred until you withdraw, helping you maximize compound growth and keep more of your money working for you.
Upside Potential Without the Downside Risk
Earn interest based on a market index’s performance — but with a guaranteed floor, you’ll never lose money when the market goes negative.
Flexible Payout and Legacy Options
Choose how and when to access your funds, and easily pass remaining assets to your loved ones without probate delays.
Peace of Mind During Market Volatility
Stay confidently invested without fear of a crash derailing your retirement plans. FIAs provide a worry-free solution to unpredictable markets.
Peace of Mind Retirement Plan
In today’s unpredictable economy, protecting your retirement from a market crash is more important than ever. Fixed Index Annuities are designed to help you do exactly that. Unlike traditional investments, FIAs offer a unique blend of safety and growth. Your principal is protected from losses during market downturns, while you still have the opportunity to earn interest when markets rise. This balance makes Fixed Index Annuities a smart choice for conservative investors and retirees who want to avoid the stress of watching their savings fluctuate. With features like lifetime income options, tax-deferred growth, and flexible access, FIAs are quickly becoming a go-to solution for securing retirement funds — without sacrificing peace of mind.
FREE Fixed Indexed Annuity Illustrations
The most challenging part of securing an Fixed Index Annuity (FIA) policy is the approval process. Discover how to get a FIA and see if you qualify!
Top 10 - FIA Frequently Asked Questions
How can I protect my retirement from a market crash?
Fixed Index Annuities offer protection by guaranteeing that your principal and credited gains will never be lost due to market downturns.
What happens to my money if the stock market crashes?
With Fixed Index Annuities, your account value is protected. Even if the market crashes, your principal remains safe and intact.
Do Fixed Index Annuities offer growth potential?
Yes! FIAs provide the opportunity to earn interest based on market index performance, without exposing your principal to losses.
Are Fixed Index Annuities safe for retirement?
Absolutely. They are designed specifically to provide retirees with both protection and predictable income options.
Can I lose money with a Fixed Index Annuity?
No. Your principal is protected from market losses. The worst-case scenario is earning zero interest in a bad year — not losing your money.
How does a Fixed Index Annuity make money during a market crash?
While they don’t gain when the market falls, they preserve your balance, so when the market recovers, you participate in the upside without starting from a loss.
Is my income guaranteed with a Fixed Index Annuity?
Yes — with lifetime income rider options, you can secure guaranteed income for life regardless of market performance.
What makes FIAs better than stocks or mutual funds for protection?
FIAs combine market-linked growth potential with downside protection, unlike stocks or mutual funds that can lose value in a crash.
Can I access my money if needed?
Yes. While FIAs have rules, many offer flexible withdrawal options and penalty-free access for certain needs.
Are Fixed Index Annuities good for legacy planning?
Yes. Remaining funds can pass directly to your beneficiaries, often avoiding probate and providing a smooth wealth transfer.
James P.
"I'm not nervous that I won't have anything put aside for retirement anymore. Thank you Sura Guard"
Tom & Jan - Satisfied Clients
"Sura Guard made the process of getting a FIA easy and understandable. We feel confident about our financial future."
John C - Satisfied Client
"I wish I had discovered the FIA sooner. Thanks for prompting me to take action now rather than never."
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