Index Protector Fee-Based Annuities

We offer a suite of advisory products to help you diversify your clients’ portfolios. Index Protector 4, Index Protector 5 MVA and Index Protector 7 fee-based annuities are intended for distribution by Investment Advisor Representatives doing fee-based planning. These zero commission fixed-indexed annuities offer:

  • Protection from market loss
  • Growth opportunity with multiple indexed strategies
  • Liquidity options
Ready to offer Index Protector fee-based annuities?


Index Protector 7Index Protector 5 MVAIndex Protector 4
Issue agesQualified and non-qualified: 0-85
Inherited IRA and inherited non-qualified: 0-75
Qualified and non-qualified: 0-89
Inherited IRA and inherited non-qualified: 0-75
Qualified and non-qualified: 0-90
Inherited IRA and inherited non-qualified: 0-75
Minimum purchase payment$100,000; additional purchase payments accepted in first two months of contract; minimum $25,000$50,000; additional purchase payments accepted in first two months of contract; minimum $25,000$50,000; additional purchase payments accepted in first two months of contract; minimum $25,000
LiquidityClients may withdraw up to 10% of the account value penalty-free during the first seven contract years. 
Additionally, there is a return of premium available for clients who choose to surrender after the third contract year.
Clients may withdraw up to 10% of the account value MVA-free during the first five contract years.Clients may withdraw up to 10% of the account value penalty-free during the first four contract years.
Early withdrawal charges7-year declining: 7%, 7%, 7%, 6%, 5%, 4%, 3%None4-year: 5.6%, 5.6%, 5.6%, 5.6%
Market value adjustmentA market value adjustment applies for the first seven contract yearsA market value adjustment applies for the first five contract yearsNone
Income ridersIncomeDefender and
Income Keeper - temporarily suspended
NoneNone
How much can my clients earn with an Index Protector fee-based annuity?
Where are Index Protector fee-based annuities available?
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