Is your money protected from the next market decline?

Market volatility is a common concern among retirees – a major downturn could wipe out years of accumulated assets and derail your retirement plans. There’s a solution that offers growth potential and principal protection, mitigating volatility risk. A fixed-indexed annuity (FIA) offers access to indexed strategies that credit interest based, in part, on the changes to an external index, such as the S&P 500®. Interest credited may vary from term to term, but your account value will not decline due to market drops.

Historical Fluctuations In The S&P 500 Index

The graph below shows historical values of the S&P 500® from 1999–2017. While the peaks represent opportunities for growth, the valleys represent threats for significant loss.

Market decline graph - Fixed-Indexed Annuities - Great American Insurance
To demonstrate the volatility of the stock market, historical S&P 500 index values are shown in the graph above. The connecting lines between the points represent high and low index values. Index values fluctuate over time.

You can’t predict market performance, but you can count on an FIA to protect your assets from the next market decline.

Talk with your financial professional about how an FIA could fit into your overall retirement plan and help you reach your long-term financial goals.



While past performance does not guarantee future results, with a fixed-indexed annuity, you can be certain that your money will be protected against loss if you hold your annuity through the early withdrawal charge period.

With a fixed-indexed annuity, money can be allocated to an indexed strategy for a specified period of time (term). Indexed interest is credited only on the last day of the term. The portion of a positive index change credited to the account value is limited by the cap or the participation rate we set for the term. The indexed interest rate for a term will never be lower than 0%, but we do not guarantee that amounts allocated to an indexed strategy will earn interest.

When you buy a fixed-indexed annuity, you own an insurance contract. You are not buying shares of any stock or investing in an index. All guarantees are backed by the claims-paying ability of the issuing insurance company.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Great American Life Insurance Company® and Annuity Investors Life Insurance Company®. 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 Great American Life Insurance Company and Annuity Investors Life Insurance Company. Great American Life and Annuity Investors Life annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or their respective affiliates, and none of such parties makes any representation regarding the advisability of purchasing said products nor do they have any liability for any errors, omissions or interruptions of the S&P 500 Index.

Products issued by Annuity Investors Life Insurance Company® and Great American Life Insurance Company®, members of Great American Insurance Group, Cincinnati OH. Copyright © 2018 by Great American Life Insurance Company. All rights reserved.

Annuity Investors Life Insurance Company and Great American Life Insurance Company are not investment advisers and the information provided in this document is not investment advice. You should consult your investment professional for advice based on your personal circumstances and financial situation.

Not FDIC or NCUSIF Insured • No Bank or Credit Union Guarantee • Not Insured by any Federal Government Agency • Not a Deposit • May Lose Value