A registered index-linked annuity from Great American Life® lets you take advantage of some market growth while also providing partial protection against market loss.

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Participate in market growth

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Limit downside risk

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Take advantage of tax deferral

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Accumulate more with no fees

There’s no one-size-fits-all approach to retirement planning, and it’s important to consider the possible outcomes of different investment options.

Investing in the stock market can be lucrative, but with no protection against loss, a market downturn could wipe out years of savings. Fixed income investments, such as bonds, can provide some protection against loss, but may provide little in return, jeopardizing your retirement plans.

A registered index-linked annuity can bring balance to your portfolio by allowing participation in market growth while reducing exposure to market loss, helping you reach your retirement goals.

How do registered index-linked annuities work?

Registered index-linked annuity advantages

Here are some things to know as you consider a registered index-linked annuity:

  • Growth opportunity: You can take advantage of some market growth without the risk that comes with investing directly in the market.
  • Market protection: Reduced downside exposure keeps your money partially protected from market losses.
  • No upfront or recurring fees: You won’t pay fees unless you take a withdrawal or surrender your annuity during the early withdrawal charge period.
  • Tax deferral: You don’t pay taxes on the returns your annuity earns until you start receiving payments or take a withdrawal, so your annuity may grow at a faster rate.
  • Guaranteed retirement income: When you’re ready to turn your annuity into retirement income, you can select from a variety of payout options, including an income stream that will last for the rest of your life.

A registered index-linked annuity may be the right choice to grow your money based on market performance, if you’re willing to take on some risk for competitive earning potential. If you’re interested in complete protection against market loss, you may want to consider a fixed or fixed-indexed annuity.

Registered index-linked annuities are sometimes referred to as variable-indexed annuities, indexed-variable annuities, buffered annuities or structured annuities.

Still in the early stages of retirement planning? We’re here to help. Visit our Retirement Tools & Resources page to get started.

Our registered index-linked annuities can only be sold through a Broker/Dealer that is contracted with Great American Life Insurance Company. Registered index-linked annuities are securities and are sold by prospectus. To obtain a copy of a prospectus for one of our registered index-linked annuities, please visit GAIG.com/RILArates.

Annuities are intended to be long-term products and may not be suitable for all investors. Withdrawals from an annuity contract may have tax consequences.

Great American Life Insurance Company is not an investment adviser and the information provided in this website is not investment advice. You should consult your investment professional for advice based on your personal circumstances and financial situation.

S&P 500 refers to the S&P 500 Price Return Index. For information, visit www.us.spindices.com and search keyword SPX. SPDR GLD refers to SPDR Gold Shares ETF. For more information, visit www.spdrgoldshares.com. IYR refers to the iShares U.S. Real Estate ETF. For information, visit www.iShares.com and search ticker symbol IYR. MSCI EAFE ETF refers to the iShares MSCI EAFE ETF. For information, visit www.iShares.com and search ticker symbol EFA.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and has been licensed for use by Great American Life Insurance Company®. Standard & Poor's®, S&P®, SPDR®, and STANDARD & POOR’S DEPOSITORY RECEIPTS® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of 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. Great American Life's 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 investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

The iShares MSCI EAFE ETF and the iShares U.S. Real Estate ETF are distributed by BlackRock Investments, LLC. iShares®, BLACKROCK®, and the corresponding logos are registered and unregistered trademarks of BlackRock, Inc. and its affiliates ("BlackRock"), and these trademarks have been licensed for certain purposes by Great American Life Insurance Company. Great American Life annuity products are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of an annuity from Great American Life do not acquire any interest in the iShares MSCI EAFE ETF or the iShares U.S. Real Estate ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representation or warranty, express or implied, to the owners of any Great American Life annuity product or any member of the public regarding the advisability of purchasing an annuity, nor does it have any liability for any errors, omissions, interruptions or use of the iShares MSCI EAFE ETF or the iShares U.S. Real Estate ETF or any data related thereto.

Please note, this is a general description of some of the features of our registered index-linked products. Please read your contract, including the endorsements, for definitions and complete terms and conditions. For use with contract forms P1822217NW, P1822217ID, P1822317NW, P1822317ID, P1825218NW and P1825218ID and rider forms R1462416NW and R1462316NW (not available in Massachusetts). Contract and rider form numbers may vary by state. Products and features may vary by state, and may not be available in all states.

Principal Underwriter/Distributor: Great American Advisors, Inc., member FINRA and an affiliate of Great American Life Insurance Company.

Products issued by Great American Life Insurance Company®, member of Great American Insurance Group (Cincinnati, Ohio). All guarantees subject to the claims-paying ability of Great American Life.

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

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Retirement Tools & Resources  

If you’re in the early stages of retirement planning, our tools and resources can help you get started.


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