Annuities often come with very negative preconceived ideas. Variable annuity contracts from decades past that carried high fees and exposure to market volatility were in some cases sold to pre-retirees and retirees. These products were not always suitable for those clients, although for the correct application they were suitable then, and still are in some scenarios.

Modern insurance vehicles and annuities have evolved and expanded. One type of product from more recent years is the Fixed-Indexed Annuity (FIA). FIAs offer a strategic anchor: your principal is contractually insulated from market downturns, while still allowing you to participate in and lock in a portion of market growth.

CORE CONCEPTS

The Low Watermark Contractual Guarantee

Ensuring that once your gains are locked in, your portfolio baseline can never fall below that level due to market volatility.

Self-Funded Pension Creation

Utilizing specific insurance riders to guarantee an ironclad, lifetime income stream that you cannot outlive.

Integrated Living & Long-Term Care Benefits

Maximizing modern annuity policies that allow you to access enhanced payouts if you face health or long-term care challenges.
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Helpful Resources

To help you stay confident in your financial planning, we’ve gathered reliable links you can reference anytime.

Social Security: Lots of resources under the Benefits tab for retirement, disability, and more.

Medicare: find health plans, providers and more.

Your Present and Future Long-Term Care Costs In Your State: Compare long-term health costs from state to state from Nationwide Insurance.