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What is an Indexed Annuity?

An indexed annuity is a financial product designed to provide retirement income while protecting your principal from market downturns. It allows you to earn interest based on a stock market index’s performance, offering the potential for higher returns than traditional fixed annuities while safeguarding against losses.

At Tes Financial Services, we specialize in helping clients secure their retirement with indexed annuities. We partner with top-rated providers across the USA to offer a range of annuity solutions tailored to your financial goals. Whether you’re looking for lifetime income, tax-deferred growth, or legacy planning, our indexed annuities can help you achieve long-term financial stability.

Different Types of Indexed Annuities We Offer

Fixed Indexed Annuities (FIA)

Fixed-indexed annuities provide guaranteed protection with the potential to earn interest based on a market index. They ensure your principal remains safe from market downturns while allowing for moderate growth over time.

Deferred Indexed Annuities

These annuities grow tax-deferred over time, allowing you to accumulate wealth before receiving payments in retirement. They are ideal for long-term financial planning and wealth preservation.

Immediate Indexed Annuities

Designed for retirees seeking an immediate income stream, these annuities convert your premium into regular payments that begin right away, offering financial security in retirement.

Benefits of Indexed Annuities

Growth Potential with Downside Protection

Indexed annuities offer a unique combination of market-linked returns and a guaranteed minimum interest rate, ensuring steady growth without exposure to stock market losses.

Tax-Deferred Growth

Your earnings grow tax-deferred, meaning you won’t pay taxes on gains until you withdraw funds, allowing for greater accumulation over time.

Guaranteed Lifetime Income

With income riders, indexed annuities can provide guaranteed payments for life, ensuring financial security in retirement.

Flexible Payout Options

Choose from various payout options, including lump sum, periodic withdrawals, or lifetime income, to align with your retirement needs.

Protection Against Market Volatility

Unlike direct market investments, indexed annuities protect your principal from losses, making them an excellent option for risk-averse investors.

Need Help Choosing the Right Indexed
Annuity? We’re Here to Guide You!

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frequently asked questions

What is the difference between an indexed annuity and a fixed annuity?
A fixed annuity offers a guaranteed interest rate, while an indexed annuity ties interest earnings to a stock market index with downside protection.
No. Unlike direct stock investments, indexed annuities provide a safety net with a guaranteed minimum return, ensuring your principal remains protected.
Indexed annuities earn interest based on a stock market index’s performance, offering the potential for higher returns while capping losses.
You can choose immediate or deferred payouts based on your retirement plans. Immediate annuities provide payments right away, while deferred annuities grow over time before payouts begin.
Yes, but withdrawals may be subject to surrender charges and tax penalties if taken before the age of 59½. Many policies allow penalty-free withdrawals up to a certain percentage annually.
Indexed annuities may have fees associated with riders, early withdrawals, or specific investment features. Understanding these fees is essential when selecting a plan.

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