- Are available through independent agents
- Are offered by very strong, well-known companies with high independent ratings from A.M. Best, S&P and Moody’s .
- Are fixed indexed annuities that offer market-linked growth potential without actually being invested in the market
- Offer diverse choice of indexed strategies and crediting options with opportunity to allocate certain amounts within your premium to grow interest in different ways
- Give control over insurance options with opportunity to change allocation of your funds annually or biennially
- Guaranteed lifetime income and beneficiary protection
- Offer potential for tax deferred growth
- Allow access to your money with a penalty-free withdrawal of up to 10% of accumulation value annually after the end of 1st contract year.













