FIA Calculator - Market Growth Without the Risk

Upside Potential with 100% Downside Protection

Participate in Market Gains
0% Floor Protection (Subject to Surrender Charges)
Tax-Deferred Growth

Current S&P 500 Cap

9.75%

Annual Point-to-Point • Top Carrier

Your gains are limited to this cap. Returns above cap are not credited.

FIA Pros & Cons

Benefits:

  • ✓Principal protection from market losses
  • ✓Tax-deferred growth potential
  • ✓Multiple index strategies available
  • ✓Optional lifetime income riders

Limitations:

  • ⚠Gains limited by caps, spreads, or participation rates
  • ⚠Surrender charges for early withdrawals
  • ⚠No dividends from index performance
  • ⚠Income riders have additional fees (0.5-1.5% annually)

Get Your FIA Quote

See current cap rates & projections

$100K
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Important: Early withdrawals may result in surrender charges and potential loss of principal during the surrender period you select below.

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