Equity Indexed Annuity

Comprehensive equity indexed annuity information and equity indexed annuity rates from over 40 different annuity insurance companies.

An Equity Indexed Annuity is a great place to protect the money you've saved in your CDs, money market accounts, IRA accounts, etc. Or perhaps as an alternative for the money you currently have invested in stocks and mutual funds. An Equity Indexed Annuity can greatly improve your earnings potential, while at the same time keep your principal safe from market fluctuation.

With Equity Indexed Annuities, your interest rate is tied to the increase in one of several stock market indexes, such as the S&P 500. However, if the stock market goes down, you do not lose any of your money. In fact, most Equity Indexed Annuity contracts will even GUARANTEE you a minimum interest rate (typically 1-3%), even if the index your annuity is tied to goes down the entire time you own the policy.

If you would like to research and compare actual equity indexed annuity product offerings from a number of top rated insurance companies, please visit our Equity Indexed Annuity Data page.

As stated above, an Equity Indexed Annuity offers the potential of higher returns without exposing principal to market risk. In exchange for this guarantee of no downside risk, Equity Indexed Annuity policyholders must generally be willing to give up some of their upside market potential. This is what makes these newer equity indexed annuity products so attractive to retired persons and to those approaching retirement. In exchange for having their retirement assets fully protected from loss (and in fact, guaranteed a minimum interest rate) an equity indexed annuity owner shares in market gains without realizing 100% of the gain. For most individual investors who have recently been stung by market volatility, this constitutes a prudent and desirable compromise.

For individuals who do not want to take any downside risk, an equity indexed annuity is one of the best options currently available.