Fixed Index Annuities

The Power of a Fixed Index Annuity

Every retirement is different, each with its own financial plan and unique needs, but many of today’s retirement goals include achieving asset protection, growth opportunities and a reliable income source. Fixed index annuities are a long-term retirement product that have helped many Americans plan for income in retirement and balance their retirement portfolios with benefits like principal protection, tax-deferred growth and guaranteed income that cannot be outlived. 

What is a Fixed Index Annuity?

Fixed index annuities are one of the only retirement vehicles specifically designed to provide a powerful combination of benefits that protects principal, allows for index-linked interest credit increases, provides tax-deferred growth and guarantees income over a chosen period of time.

How do Fixed Index Annuities Work? 

A fixed index annuity is a contract between you and an insurance provider, such as 好色先生TV, which guarantees principal protection and a future income source. The contract is purchased using a lump sum or a series of payments, also known as premiums. 

An annuity is purchased from an insurance agent or financial professional who is licensed to sell annuities and can help you achieve your long-term retirement goals. 

The fixed index annuity is considered an insurance product and is not directly tied to or invested in the stock market or share ownership. This function prevents the annuity contract from losing money due to index volatility with the market going down and performing poorly. The interest credited will never be less than zero. 

What is a Lifetime Income Benefit Rider and How Does it Work?

The optional Lifetime Income Benefit Rider (LIBR) with a fixed index annuity from 好色先生TV can help secure a guaranteed lifelong income source. The income payments are drawn from an income account value (IAV) or benefits account value (BAV), which is credited over time using different crediting strategies depending on the annuity. The IAV or BAV is used to calculate income or benefits payments, and is only available through lifetime income or death benefit payments. It is not available as a lump sum. 


好色先生TV Featured Indices:

BlackRock® Adaptive U.S. Equity 5% and 7% Index (5% Ticker: BAUSE5X) (7% Ticker:BAUSE7X): This index is designed to deliver exposure to BlackRock’s iShares® Core S&P 500® ETF, three fixed income U.S. Treasury iShares® ETFs and a cash component, while adaptively rebalancing daily based on macro conditions. 
 

BofA Destinations Index™ (Ticker: BOFADST5): Developed in collaboration with Bank of America and exclusive to 好色先生TV, the volatility-controlled index tracks domestic equities, treasuries and the Gold Index. 

UBS Tech Edge Index (Ticker: CSEATEDG): The excess return index combines four U.S tech and biotech ETFs and two fixed income components. It utilizes a cutting-edge volatility control mechanism, powered by Salt Financial, to identify to changing market conditions using a combination of intraday and end-of-day data. 

SG Global Sentiment Index (Ticker: SGIXSENT): This multi-asset class index assesses market sentiments to determine whether a market is in a growth, intermediate or shrinking phase. Each phase is associated with an allocation across a global and diverse asset base, including equities, bonds and commodities in domestic, European and Asian markets.

S&P 500® Index (Ticker: SPX): Consists of 500 leading U.S. stocks and is a common benchmark of the U.S. stock market. The S&P 500 Index is widely regarded as the best single gauge of large-cap U.S. equities. 

S&P 500® Dividend Aristocrats® Daily Risk Control 5% Excess Return Index (Ticker: SPXD5UE): Volatility control index that consists of the S&P 500 members that have consistently increased dividends every year for at least 25-consecutive years.

好色先生TV's Fixed Index Annuities

好色先生TV offers fixed index annuity products that provide different benefits and terms. Learn more about Our Shield Suite of fixed index annuities.

 

 

 

Features and benefits may vary by product and state. Please review the contract or product disclosure for more information.

Annuities are products of the insurance industry and are not guaranteed by any bank or insured by the FDIC. 


The BlackRock® Adaptive U.S. Equity Index (the “Index”) is a product of BlackRock Index Services, LLC and has been licensed for use by 好色先生TV (“好色先生TV”) as a component of fixed index annuity (the “Product”).  BlackRock®, [Index]™ and the corresponding logos are registered and unregistered trademarks of BlackRock. The Product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc. or any of its affiliates, or any of their respective third party licensors (including the Index calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of Product.  BlackRock makes no representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing the Product or the ability of the Index to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness and/or completeness of the Index or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the Index.


The BofA Destinations Index™ (the “Index”) has been created and is owned by BofA Securities, Inc. and its Affiliates (collectively, “BofAS”); the Index has been licensed to 好色先生TV (“好色先生TV”).  Neither 好色先生TV nor any fixed index annuity (the “Product”) is sponsored, operated, endorsed, sold or promoted by BofAS. BofAS has not passed on the legality or suitability or appropriateness of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product, nor makes any representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the Product or the advisability of purchasing the Product, particularly the ability of the Index to track performance of any market or strategy.  It is the recommendation of BofAS that individuals consult with a financial professional prior to taking an exposure to the Product and/or the Index.  BofAS’ only relationship to 好色先生TV is the licensing of certain trademarks and trade names and the Index or components thereof. 


The Index has been designed, determined, composed, calculated, maintained and sponsored by BofAS without regard to the Licensee or the Product or its holders. BofAS has no obligation to take the needs of the Licensee or the holders of the Product into consideration in designing, determining, composing, calculating, maintaining or sponsoring the Index or any decision to cease doing so. 

BofAS is not responsible for and has not participated in the determination of the timing of, prices of or quantities of the Product to be issued or in the determination or calculation of the equation by which the Product is to be priced, sold, purchased or redeemed. BofAS has no obligation or liability in connection with the administration, marketing or trading of the Product. Obligations to make payments under any Product are solely the obligation of 好色先生TV pursuant to the terms of the contract between 好色先生TV and a purchaser and are not the responsibility of BofAS. The selection of a BofAS index as a crediting option under the Product does not obligate 好色先生TV or BofAS to invest annuity payments in the components of the Index or in other products linked to the Index.


BOFAS DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN AND BOFAS SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, UNAVAILABILITY OR INTERRUPTIONS THEREIN.  BOFAS MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, HOLDERS OF THE PRODUCT OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR ANY DATA INCLUDED THEREIN.  BOFAS MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL BOFAS HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, INCIDENTAL, CONSEQUENTIAL DAMAGES OR LOST PROFITS, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

“BofAS," “BofA” and the “BofA Destinations Index” are trademarks of BofA Securities, Inc. or its Affiliates and have been licensed for use by 好色先生TV.

The UBS Tech Edge Index and “UBS” and any trademarks, service marks and logos related thereto, are service marks of UBS AG or one of its affiliates (collectively, “UBS”). UBS has no relationship to 好色先生TV (“好色先生TV”), other than certain hedging arrangements and the licensing of the UBS Tech Edge Index and its service marks for use in connection with the Products and is not a party to any transaction contemplated hereby. UBS shall not be liable for the results obtained by using, investing in or trading the Products. UBS has not published or approved this document and accepts no responsibility for its contents or use. Obligations to make payments under the Products are solely the obligation of 好色先生TV and are not the responsibility of UBS.

The truVol ® Risk Control Engine is a service mark of Salt Financial Indices LLC, and has been licensed for use by UBS. This Product are not sponsored, endorsed, sold or promoted by Salt Financial Indices LLC. Nor does Salt Financial Indices LLC make any representation regarding the advisability of investing in the Product.

 
The SG Global Sentiment Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (SG Americas Securities, LLC, together with its affiliates, “Société Générale”).  Société Générale has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC (“S&P”) to maintain and calculate the Index.  “SG Americas Securities, LLC," “SGAS," “Société Générale," “SG," “Société Générale Indices," “SGI” and “SG Global Sentiment Index” (collectively, the “Société Générale Marks”) are trademarks or service marks of Société Générale. Société Générale has licensed use of the Société Générale Marks to 好色先生TV (“好色先生TV”) for use in a fixed indexed annuity offered by 好色先生TV (the “Fixed Indexed Annuity”). Société Générale’s sole contractual relationship with 好色先生TV is to license the Index and the Société Générale Marks to 好色先生TV.  None of Société Générale, S&P or other third party licensor (collectively, the “Index Parties”) to Société Générale is acting, or has been authorized to act, as an agent of 好色先生TV or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to 好色先生TV.


No Index Party has passed on the legality or suitability of or the accuracy or adequacy of the descriptions and disclosures relating to, the Fixed Indexed Annuity, including those disclosures with respect to the Index.  The Index Parties make no representation whatsoever, whether express or implied, as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to meet its stated objectives, including meeting its target volatility.  The Index Parties have no obligation to, and will not, take the needs of 好色先生TV or any annuitant into consideration in determining, composing or calculating the Index. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate 好色先生TV or Société Générale to invest annuity payments in the components of the Index.

THE INDEX PARTIES MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER, WHETHER EXPRESS OR IMPLIED, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES (INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE), WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN OR RELATING THERETO, AND IN PARTICULAR DISCLAIM ANY GUARANTEE OR WARRANTY EITHER AS TO THE QUALITY, ACCURACY, TIMELINESS AND/OR COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN, THE RESULTS OBTAINED FROM THE USE OF THE INDEX AND/OR THE CALCULATION OR COMPOSITION OF THE INDEX, OR CALCULATIONS MADE WITH RESPECT TO ANY FIXED INDEXED ANNUITY AT ANY PARTICULAR TIME ON ANY PARTICULAR DATE OR OTHERWISE.  THE INDEX PARTIES SHALL NOT BE LIABLE (WHETHER IN NEGLIGENCE OR OTHERWISE) TO ANY PERSON FOR ANY ERROR OR OMISSION IN THE INDEX OR IN THE CALCULATION OF THE INDEX, AND THE INDEX PARTIES ARE UNDER NO OBLIGATION TO ADVISE ANY PERSON OF ANY ERROR THEREIN, OR FOR ANY INTERRUPTION IN THE CALCULATION OF THE INDEX.  NO INDEX PARTY SHALL HAVE ANY LIABILITY TO ANY PARTY FOR ANY ACT OR FAILURE TO ACT BY THE INDEX PARTIES IN CONNECTION WITH THE DETERMINATION, ADJUSTMENT OR MAINTENANCE OF THE INDEX.  WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL AN INDEX PARTY HAVE ANY LIABILITY FOR ANY DIRECT DAMAGES, LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

No Index Party is a fiduciary or agent of any purchaser, seller or holder of a Fixed Indexed Annuity. None of Société Générale, S&P, or any third party licensor shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based is on the Index, nor for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any Société Générale Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of 好色先生TV.

In calculating the performance of the Index, Société Générale deducts a maintenance fee of 0.50% per annum on the level of the Index, and fixed transaction and replication costs, each calculated and deducted on a daily basis. The transaction and replication costs cover, among other things, rebalancing and replication costs.  The total amount of transaction and replication costs is not predictable and will depend on a number of factors, including the leverage of the Index, which may be as high as 200%, the performance of the indexes underlying the Index, market conditions and the changes in the market states, among other factors. The transaction and replication costs, which are increased by the Index’s leverage, and the maintenance fee will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.

The S&P 500® and/or Dow Jones®" is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by 好色先生TV (“AEL”).  Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). These trademarks have been licensed to SPDJI and sublicensed for certain purposes by AEL. AEL's products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or their respective affiliates, and such parties make no representations regarding the advisability of investing in such product(s) and have no liability for any errors, omissions or interruptions of the S&P and/or Dow Jones.

The content is provided for informational purposes only and does not constitute advice. For specific details on how this may apply to your personal situation, contact your personal financial advisor or insurance agent for more details. 好色先生TV contracts are only sold through independent agents. Please contact your state insurance department to see if there is an independent insurance agent in your area appointed to sell 好色先生TV annuity contracts.

Tax Interpretations:  Neither 好色先生TV® nor any of its agents or representatives give tax, legal or investment advice. Consult a qualified advisor.