- Wylie, Texas, 75098
- partner@thearl.us
- customer@thearl.us
- 469 769 6056
Indexed Annuities
At ARL (Asset, Retirement, and Legacy), our Indexed Annuities offer a distinctive approach for individuals looking for a secure and growth-focused retirement strategy. These financial products merge the advantages of traditional fixed annuities with the opportunity for greater returns tied to a stock market index, like the S&P 500. With an Indexed Annuity, your initial investment is safeguarded against market fluctuations, ensuring that your principal remains intact. As the market index performs, your annuity can accumulate interest, providing potential growth without the risk of losing your original investment. This allows you to benefit from market gains while enjoying the reassurance that your funds are protected from losses.
“Enhance your retirement savings with confidence—Indexed Annuities provide an ideal combination of security and potential for growth.”
Indexed Annuities typically offer advantages such as guaranteed minimum returns and tax-deferred growth, enabling your investments to grow without facing immediate tax consequences. This feature makes them a compelling choice for retirement planning. You have the flexibility to select from different payout options, whether you prefer a lump sum or regular income during your retirement years. At ARL, we are dedicated to assisting you in achieving a secure financial future. Reach out to us today to discover how Indexed Annuities can play a vital role in your retirement strategy.
What is an Indexed Annuity?
An Indexed Annuity is an insurance product that combines the characteristics of a fixed annuity with the opportunity for growth linked to a specific market index, such as the S&P 500, while also protecting your initial investment.
How does the interest credited work?
Interest is credited according to how the selected market index performs over a set timeframe. This means your investment can take advantage of market gains while also being shielded from losses, keeping your principal safe.
Are there fees associated with Indexed Annuities?
Indexed Annuities can have several fees, including surrender charges for early withdrawals, administrative fees, and costs for optional riders. It's important to carefully review the policy details to fully understand all the associated costs.
Can I withdraw money from my Indexed Annuity?
You can withdraw funds, but keep in mind that there may be penalties or surrender charges for early withdrawals. Also, many policies have limits on withdrawals, so it's important to review the terms of your annuity.
Are the earnings from Indexed Annuities taxable?
Earnings from Indexed Annuities are usually taxed as income when you make withdrawals. However, the growth remains tax-deferred until you access the funds, which helps your investment grow more efficiently over time.