Home Services Pricing About FAQ Blog Raleigh Durham Careers Contact
Privacy Policy Terms of Service About Us Verify a provider Kotta LinkedIn company page Kotta YouTube channel Contact

Fixed Indexed Annuity buyer guide: questions to ask before you decide

A Fixed Indexed Annuity is an insurance contract, not a direct investment in an index. Its contract determines interest-crediting terms, protections, limits, charges, and withdrawal rules.

Questions to review

  • What crediting method applies, and how do caps, participation rates, or spreads affect credited interest?
  • Which rates are guaranteed and which may change?
  • What surrender charges, free-withdrawal limits, and liquidity provisions apply?
  • What rider fees and withdrawal rules apply?
  • How does the carrier contract compare with alternatives for the intended purpose and time horizon?

Read the carrier contract and illustration. Annuity guarantees depend on the issuing insurer's claims-paying ability and contract terms; annuities are not FDIC-insured.

Review FIA costs and liquidity in Durham | Review FIA costs and liquidity in Raleigh

Request a Raleigh FIA consultation | Request a Durham FIA consultation