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A Win-Win Way To Be Linked To An Index

The fixed-indexed annuities are insurance policies. The basic concept behind indexed annuities is fairly simple, issue gains when a selected index like the S&P 500 goes up and guarantee your principal and issued gains won't drop if the S&P or other selected index drops.

The earliest products in the indexed annuity world were the simplest. These indexed annuities were designed for individuals who wanted a shot at better than current guaranteed fixed rates while knowing they had a nice minimum guaranteed gain no matter what happened in the index.

In the nearly 20 year since the introduction of the index annuity companies have added many different crediting methods, some can be confusing and complicated if not reviewed carefully. We still focus on the main reason these products were designed and feel many of the original crediting methods still work best.

With your premium of as little as $5,000, if the selected index increases you receive a gain up to the current cap level. If the market goes down, you don't lose any principal or previously received gains and your account resets the index at that lower level for the next policy year.

There are other benefits associated with fixed annuities, such as tax-deferred compounding, penalty-free withdrawals, nursing home waivers and a minimum guarantee of earnings. Tax penalties and surrender charges for premature withdrawals might apply. Choose a  term from 1 - 10 years.

Too good to be true?

Well, it's true, being offered and guaranteed by top rated insurance companies.

You must be willing to tie up your premium for awhile (5-10 years) you decide. As with all fixed annuities, you defer income tax on your earnings, but usually must pay a tax penalty if you take your money out before age 59 1/2. FSD Financial only represents the top rated insurance carriers.

The Annual reset point to point strategy is simple and performs well over time. FSD feels it is very important for the client to understand how their product works and can gage a policy year return.

Crediting Methods - How they work (pdf)
 

OPEN TO
Clients in approved states 15 - 79.

STATE VARIATIONS
Not all products are approved in every state. Check with us for state availabilities.

TRANSFERS
Consider a fixed annuity if you want to transfer or rollover other older retirement accounts. We can assist in rolling over old 401Ks or other employer plans. We also assist in tax free exchanges for existing annuities via a 1035 exchange.

SUITABILITY REVIEW
Is an this annuity right for you?

Annuities should be viewed as long-term financial instruments. Some companies waive the withdrawal charge in the event of nursing home, premature death or annuitization on many of their fixed annuity products. Please be aware that withdrawal charge periods may last from 1-10 years. These features will be clearly disclosed.
 

1. We will UPS/FedEx all paperwork with a pre-paid return overnight envelope.
2. Information provided by you on the application kit will begin the process of issuing a contract.
3. Our insurance experts will help fill out the application kit and suitability form as answers must be complete and detailed.

This website is for illustrative purposes only and is not a contract. When you are issued Fixed Annuity Insurance, you'll receive a Contract or Certificate of Insurance. The Contract / Certificate provides you with detailed information on the annuity you have chosen. It also gives you 10 - 30 days to review your coverage to make sure it's exactly what you expected. If you're not satisfied, for any reason, just return your Contract / Certificate of Insurance to the FSD Financial Services office. You'll will be able to free look the contract.