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What are the guarantees I can expect as a purchaser of Guaranteed Index Annuities or Guaranteed Index Life Policies?

Indexing gains are all derived from increases in various stock market indexes. You will share in the gains only, you will not share in any losses. They are designed for folks who do not want losses in any type of stock market declines. 

  1. Guarantee of principal- the purchaser will not lose any of their payments as a result of market downturn
  2. Guarantee of gains- the purchaser will not lose any interest on their principal as a result of market downturn either
  3. Guarantee via floor- the purchaser is guaranteed to never receive less than 0% interest in any given year
  4. Guarantee via guaranteed minimum surrender value- the purchaser is guaranteed to receive premiums paid plus interest, regardless if the market consistently declines
  5. Guarantee against living too long- the purchaser is guaranteed an income that they cannot outlive
  6. Guarantee in the event of death- all indexed annuity purchaser pass-on the full account value to their designated beneficiaries in the event of death
  7. Guarantee via guaranteed benefits- (offered on fixed and indexed annuities, not just variable annuities) many indexed annuities permit guaranteed lifetime income without the inflexibility of annuitization
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