Structured annuities offer equity market exposure, giving clients the growth potential needed to help achieve goals. With more indexed allocation options than other annuities, they can be customized to meet your clients specific needs.

Money can grow based on the crediting method of the indexed account selected. Clients are not invested directly in the market. Instead, the performance of the underlying indexes or Exchange Traded Fund will determine how much is earned (either up to a cap or subject to a fee).

Each indexed account includes a protection option – a buffer or a floor. If the index has a negative return,  losses will be reduced by a buffer or limited to a floor. While you can lose money, you will have a safeguard in place that may help lessen the impact of negative performance.