Fixed Indexed Annuities

Home / Annuities / Fixed Indexed Annuities

The Potential Benefits of Fixed Index Annuities

At ALEVO, we help protect the financial well-being of

individuals, businesses, and families. One potential tool we recommend

to our clients when appropriate is a fixed indexed annuity. This financial product offers you the potential to earn interest tied to an external market index (subject to limits) which providing guarantees against market losses, offering a balanced approach

to wealth accumulation and income retirement planning.

What Is a Fixed Indexed Annuity?

Potential Financial Benefits of Fixed Indexed Annuities

1. Potential for Higher Interest Credits

Potential to earn interest based on the performance of a specific
market index. (upside is limited by caps, spreads and/or participation rates)
Your money is never invested in the market itself.

2. Principal Protection

Your annuity is protected from market downturns.
No Negative Returns: You won’t lose money due to poor market performance. The worst
you can do is 0% in any year (optional rider fees will continue to be deducted even in years
in which the annuity earns no interest).

3. Tax-Deferral

Tax Efficiency: Your annuity can grow tax-deferred until you make withdrawals.
Annuity funds are taxed only when withdrawn (a 10% IRS penalty will apply before age 59-1/2)

4. Guaranteed Lifetime Income

Financial Stability: Convert your annuity into a steady income stream for life.
Retirement Income Planning: Help ensure you won’t outlive your savings.

5. Flexibility & Customization

Multiple Options: Choose from various indexing methods and crediting strategies.
Tailored Solutions: Customize your annuity to help meet your financial goals.

6. Death Benefit

Legacy Planning: Pass remaining assets to your beneficiaries.

Why Consider a Fixed Indexed Annuity with ALEVO?

Experienced Guidance: Our team helps you navigate the complexities of annuities.
Personalized Strategies: We tailor solutions to align with your financial objectives.
Customized Income Approach: We help you integrate annuities into your overall retirement income strategy.

Help Secure Your Financial Future Today

A fixed indexed annuity can be a valuable addition to your financial portfolio, offering growth potential and protection. Let ALEVO guide you toward a more secure and prosperous future.

Contact us today to learn if a fixed indexed annuity could benefit you.

Find Out More

What State Are You Located In?

ALEVO Financial & Insurance Agency

ALEVO is an Insurance Firm that offers retirement income and protection strategies using life insurance and annuity products. Our licensed insurance professionals are independent and can offer a wide array of insurance products and services to help meet your unique needs.

CA insurance license #6002118.

We are not affiliated with any educational or government agency, and do not provide investment, tax or legal advice. Always consult with your own qualified investment and tax/legal advisors. Insurance and annuity products are not suitable for everyone. They involve fees and charges, including possible surrender penalties. Optional benefits and riders may involve additional annual cost. Life insurance involves medical and often financial underwriting to qualify. Life insurance loans and withdrawals will reduce policy death benefits and cash values and may cause the policy to lapse or require additional premiums to keep the policy in-force. Annuity withdrawals are subject to ordinary income taxes, and potentially a 10% IRS penalty before age 59-1/2. Product feature and availability may vary by state. Fixed indexed life insurance and annuities are not investments in the market or index. Long term care riders on insurance and annuity products are NOT a replacement for long term care. The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. Interest credits are subject to limits set by the issuing company, such as caps, spreads and/or participation rates.

Guarantees are backed by the financial strength of the issuing company.

We offer insurance solution in the form of basic life insurance coverage to more complex retirement and business protection strategies for individuals as well as business.