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An equity-indexed annuity (EIA) is a type of fixed annuity that offers a combination of features from both fixed and variable annuities. Here's a brief overview:
How It Works:
Interest Rate: The interest rate is linked to the performance of a stock market index, such as the S&P 500.
Guaranteed Minimum Return: EIAs provide a guaranteed minimum return, typically between 1% to 3%, on a portion of the premiums paid.
Market Participation: The remaining interest is based on the performance of the linked index, allowing for potential higher returns.
Key Features:
Downside Protection: EIAs offer protection against market losses, ensuring that you won't lose your principal investment.
Hybrid Nature: They combine the stability of fixed annuities with the growth potential of variable annuities.
