Hypothetical example
Index linked growth, with a cap on the upside
Age
55
Premium
$150,000
Goal
growth
Worry
Losing principal in a bad year.
Dana, 55, has money in a brokerage account she will not touch for about ten years. She wants more upside than a bank CD, but a repeat of 2008 would push her retirement back.
What we compared
Three fixed indexed annuities, ranked on their annual S&P 500 cap.
| Option | Annual S&P 500 cap | Surrender term | A.M. Best |
|---|---|---|---|
| Option A | 14.00% | 10 years | A |
| Option B | 12.75% | 7 years | A |
| Option C | 12.50% | 5 years | A |
A cap is the most an index account can credit in a year. Carriers reset caps periodically, and it is neither a projected nor a guaranteed return. Live rates, refreshed nightly. Quoted for Texas; availability differs by state.
What Dana chose
Dana chose Option A. Its cap was the highest of the three and its surrender term fit her ten year horizon. The trade off she accepted: a cap limits how much she can earn in a strong year.
See your own numbers
You're all set
Here's what you'll get
Both are built from your answers.
Lite report
- Your top matches, ranked
- The rate for your age, state and premium
- Index account, with the annual cap or premium bonus
- Surrender term for each product
- The assumptions we used
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Full report
- Everything in the lite report
- Carrier illustrations side by side, on your figures
- Income projections for the age you would start
- Rider fees, and what each one buys
- The surrender schedule, year by year
- Death benefit and care waiver terms
- A clear answer, including "none of these fit"
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This is a hypothetical example of how a comparison works, not a real client. Options are real products available in Texas, shown without carrier names. Annuity products are issued by insurance companies and not guaranteed by any bank or the FDIC. Results shown are quoted from current carrier-filed rates under the answers you provide. Rates refresh nightly and change without notice. These are quotes under stated inputs, not projections of market performance, not a guarantee of future income, and not a recommendation to purchase. Licensed insurance professionals affiliated with this site receive commissions from issuing insurance companies when an annuity is purchased.