FIA Plus™
Increased growth potential.
Tax-deferred income.
Principal protection.
Policy form number ICC22_FIA_0922, Rider numbers
ICC22-R-TIW and ICC22-R-NHHCW (Series).
Not available in all states.
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An innovative crediting strategy.
The FIA Plus™ brings the exciting potential of increased growth when exposing previous gains to risk of loss. You can select how your contract value may grow, but as with other fixed annuities, your initial principal is always protected and not subject to market losses.
Choose between a single index, multiple indices and/or a fixed rate of return. For any amount allocated to an index, your contract is credited according to the annual performance of that index, multiplied by a participation rate or subject to a cap. When an amount is allocated to the fixed rate, it earns that declared rate for a set time.
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The FIA Plus™. Adding more optionality.
The FIA Plus™ offers many of the standard annuity features, plus more options – including the ability to adjust your risk and return profile over your contract period. As your gains are tracked, you can decide to put them at risk for even more upside potential. If you don’t want the additional risk, or don’t believe the market is in your favor, you’re never obligated to use this option.
Learn how the FIA Plus™ might be right for you.
These videos are not approved for residents of Oregon
Ibexis’ FIA Plus™ offers crediting strategies based on the performance of the S&P 500®, as well as two cutting-edge, proprietary index options offered in partnership with Bank of America® and HSBC®.
Legacy Transfer
Transfer your wealth to loved ones.
At the end of your life, any named beneficiary will receive the value of your annuity in a lump sum payment. If you were already being paid out the value for a specific term, the beneficiary will receive the remainder of those payments. This feature generally eliminates the need for the annuity benefits to go through a lengthy, expensive probate process.
Tax Deferral
Only pay tax on cash-in-hand.
As a retirement product, annuities come with attractive tax benefits. Taxed are deferred on the interest you earn until you make a withdrawal or receive your first payment.
Free Partial Withdrawals
Access when you need it.
Should any situation arise where you need to withdraw early, you always have access to your account. Beginning in the second year of your contract, you may withdraw up to 10% of the previous year’s total accumulation value before incurring a “surrender charge”. Annuities are a long-term retirement product, so make sure to consider if you might need the money soon.