There really are two lives we live. The first life and then the second life when we realize we only have one life. Retirement is the only time in your life when time no longer equals money. Be out living your life, not outliving your savings. As life expectancy increases, the threat of outliving your retirement savings is real. An annuity is a long-term, tax-deferred investment that is issued by an insurance company. A fixed indexed annuity offers principal protection in a down market yet opportunity for growth. A fixed index annuity gives you more growth potential than a fixed annuity along with less risk and less potential return than a variable annuity. They can provide a guaranteed lifetime income ensuring your savings last as long as you do. Learn more 5 Ways to Stay Confident in Retirement This guide takes a critical look at the finances of retirement. It talks about health care costs, income stability, and the burden of debt and is designed to help your clients know the recipe for success in retirement. First Name Last Name Email Address Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.