Benefit Alternatives represents the major A rated Indexed Annuity companies in the US.

New Indexed annuities today are far more consumer friendly than the traditional annuities of the past. No front end loads or fees in addition to premium interest bonus credits when you purchase your contract. Flexible withdrawal options fully disclosed with each contract. Consumers may elect their funds be allocated to interest earning strategies which suit their individual goals. You may change strategies within your annuity without fees or loads found in traditional managed accounts each year. Your interest earnings will grow based on rates applied to the strategy you choose. Unlike investment accounts which rise and fall with market changes, you are not subjected to the downside risk.

Each year on your contract anniversary, you select a strategy to allocate your funds. You can choose the fixed account which guarantees the interest credit for the following year or choose a strategy based on performance of the Dow Jones, S&P 500 or NASDAQ Many companies offer Global strategies as well. The company provides you with the projected rate for the coming year, based on the previous year’s performance. Your account is reset to the actual published rate at this time. Simply stated, you capture gains which you keep. Should your chosen strategy fall 20% your interest crediting will be 0%. Your principle and interest earned to date are guaranteed by the issuing insurance company.

Indexed annuities also offer optional Income Rider growth guarantees in excess of 7% with some companies. The riders offer excellent growth for your retirement account for future monthly income. Additional wellness benefits for medical confinement and death benefits.

Visit indexannuity.org which provides valuable information for consumers and agents alike.