Fixed & Indexed Annuities
Guaranteed income. You can’t outlive.
Turn savings into a paycheck for life — with principal protection and growth potential that doesn’t ride the market’s ups and downs.
- Guaranteed income you can’t outlive
- Principal protected from market loss
- Tax-deferred growth potential
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
We compare top-rated annuity & retirement companies
What it is
A paycheck that lasts as long as you do
An annuity is a contract with an insurance carrier that can pay you guaranteed income — often for life.
What it covers
What Fixed & Indexed Annuities includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Lifetime income
- Principal protection
- Index-linked growth
- Tax deferral
- Spousal options
Is it right for you
Is an annuity right for you?
Annuities fit when you want guaranteed, predictable retirement income.
- Pre-retirees who want a reliable income floor
- Savers worried about outliving their money
- Anyone wanting protection from market downturns
- People rolling over a 401(k) or IRA for income
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
What is a fixed indexed annuity?
A fixed indexed annuity is a contract with an insurance carrier that credits interest based on a market index's performance, with a floor that protects you from market losses. You get some of the upside without the downside risk, plus the option to turn it into guaranteed lifetime income. It's built for the part of your savings you want to be safe and predictable.
How is it different from investing in the market?
You're not directly invested in stocks — your return is linked to an index with a cap on the upside and a 0% floor, so a bad market year credits zero rather than a loss. You trade some potential gain for protection of principal. That tradeoff is the whole point for conservative retirement dollars.
Will I lose money if the market drops?
Your principal and credited gains are protected from market declines by the floor, so a down year typically means no growth rather than a loss. The main risk to your money is withdrawing more than the contract allows during the surrender period. We choose terms and liquidity that fit your needs and explain any surrender schedule clearly.
When and how does the income start?
You choose — income can begin immediately or be deferred to grow first, and once it starts it can be guaranteed for life. We model both immediate and deferred scenarios so you can see exactly how much income each option produces. That clarity helps you plan with confidence.
What happens to the money when I pass away?
Many annuities pass any remaining value, or continued income, to your spouse or beneficiaries depending on how the contract is structured. We set up the payout and beneficiary options to match your wishes. Nothing about it is one-size-fits-all, and we'll tailor it to your family.
More retirement planning
Explore other retirement planning options
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
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- Takes about 60 seconds
- No obligation
- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.