Is a fixed or fixed-indexed annuity right for you?

Learn more about annuities

chalkboard with male hand and dollar sign and question mark

Purchasing an annuity may help you prepare for the future, and we at Annuity Investors® Life understand how important longterm security is to your retirement. With a deferred annuity, you can receive payments at regular intervals based on the purchase payments you make to that contract if you annuitize the contract. The main reason to buy an annuity contract is to obtain an income, usually for retirement.

Below are a few reasons why a fixed or fixed-indexed annuity may be the right choice for you.

Fixed annuities

A fixed annuity offers the stability of a fixed interest rate that is determined by the company and is guaranteed to never be below a minimum interest rate. This rate can be changed by the company at any time. Interest is credited daily. A guaranteed minimum interest rate is one reason a fixed annuity may be the right choice for you.

 

Fixed indexed annuities

A fixed-indexed annuity is a deferred annuity with multiple interest crediting strategies. This annuity allows you to allocate your money among strategies that credit interest in various ways. Some strategies may have interest rates that are declared at the beginning of a term, while other strategies may be credited interest rates that are determined, in part, by an external index, such as the S&P 500®. The declared rate for a fixed-indexed product can vary from term to term. Interest is credited at the end of each term, and a fixed-indexed product may earn 0% interest for a term. When you buy a fixed-indexed annuity, you are not buying shares of any stock or index. Fixed-indexed annuities may be right for you if you want the potential to earn interest at rates higher than those traditionally available from fixed annuities and you like the idea of receiving interest at a rate determined, in part, by the performance of an index.

All of our flexible premium fixed and fixed-indexed annuities feature:

  • Flexible and periodic purchase payments as low as $50 per month, or a lump sum of $3,000;
  • 10% penalty-free withdrawals;
  • An early withdrawal charge1;
  • Extended care and terminal illness waivers that waive the early withdrawal charge under certain circumstances to help ease the strain of unforeseen events;
  • A built-in death benefit that will distribute the remaining contract value to your beneficiaries without going through probate; and
  • The ability to accept 403(b), 457, IRA and NQ funds.

1 Early withdrawal charges may be referred to as surrender charges in your contract.

Products issued by Annuity Investors Life Insurance Company®, a member of Great American Insurance Group®, Cincinnati, OH. All guarantees based on the claims-paying ability of Annuity Investors Life. Withdrawals and distributions may be subject to income tax and, for some tax qualifications, may be restricted. If withdrawals or distributions are taken prior to age 59½, a 10% federal penalty tax may apply. The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Annuity Investors Life. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Annuity Investors Life. Annuity Investors Life’s fixedindexed products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties makes any representation regarding the advisability of purchasing one of these fixed-indexed annuities nor do they have any liability for any errors, omissions or interruptions of the S&P 500 Index.