Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

FIA Plus 10

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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The FIA Plus is a single-premium, deferred annuity from Ibexis Life & Annuity Insurance Company. Initial premium may be allocated to the Index-Linked Strategy or the Fixed Interest Strategy, in any combination. The Floor for any initial premium allocation in the Index-Linked Strategy is always 0%. A Floor Limit will be elected at the time of application and may be adjusted on any contract anniversary. Selecting a Floor Limit less than 0% will automatically allocate the Tracking Value to the next available Floor, less than 0%, with sufficient Tracking Value Gains, and will generally provide higher upside potential. 

Floor Limits available include: 0%, -2.5%, -5%, -10%, -15% 
Available in states: AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.25% Fixed
1-Year HSBC AI Global Tactical PTP Participation Rate with -5% Floor
Point to Point
Annual
180% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -15% Floor
Point to Point
Annual
208% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -10% Floor
Point to Point
Annual
190% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -5% Floor
Point to Point
Annual
159% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -2.5% Floor
Point to Point
Annual
134% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with 0% Floor
Point to Point
Annual
109% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -15% Floor
Point to Point
Annual
215% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -10% Floor
Point to Point
Annual
206% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -2.5% Floor
Point to Point
Annual
158% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with 0% Floor
Point to Point
Annual
127% Participation
1-Year S&P 500 PTP Cap with -15% Floor
Point to Point
Annual
22.75% Cap
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
17.75% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
14.75% Cap
1-Year S&P 500 PTP Cap with -2.5% Floor
Point to Point
Annual
11.75% Cap
1-Year S&P 500 PTP Cap with 0% Floor
Point to Point
Annual
10.25% Cap
1-Year Fixed Account
Fixed
4.45% Fixed
1-Year S&P 500 PTP Cap with 0% Floor
Point to Point
Annual
11.25% Cap
1-Year S&P 500 PTP Cap with -2.5% Floor
Point to Point
Annual
12.75% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
15.75% Cap
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
18.75% Cap
1-Year S&P 500 PTP Cap with -15% Floor
Point to Point
Annual
23.75% Cap
1-Year HSBC AI Global Tactical PTP Participation Rate with 0% Floor
Point to Point
Annual
133% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -2.5% Floor
Point to Point
Annual
163% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -5% Floor
Point to Point
Annual
185% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -10% Floor
Point to Point
Annual
212% Participation
1-Year HSBC AI Global Tactical PTP Participation Rate with -15% Floor
Point to Point
Annual
220% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with 0% Floor
Point to Point
Annual
113% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -2.5% Floor
Point to Point
Annual
138% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -5% Floor
Point to Point
Annual
163% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -10% Floor
Point to Point
Annual
194% Participation
1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -15% Floor
Point to Point
Annual
212% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%