Index Protector Fee-Based Annuities

Diversify your clients’ portfolios with an Index Protector fee-based annuity. 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 and lifetime income options


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 ridersIncome Keeper and IncomeDefenderNoneNone
How much can my clients earn with an Index Protector fee-based annuity?
How much can my clients earn with an Index Protector fee-based annuity?
Optional riders
For additional income benefits, clients can add an optional rider to their Index Protector 7 contract. There is an annual charge for these riders.
IncomeDefender
  • Income payments available to start immediately after issue (if age 55+)
  • Income percentages that increase annually
  • Refund of rider charge at death if income payments have not started

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Income Keeper
  • Income payments that can start five years after the rider effective date (if age 55+)
  • Increasing income potential
  • Refund of rider charge at death if income payments have not started

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See how a fee-based annuity can strengthen a portfolio using this state-of-the-art tool.
See how a fee-based annuity can strengthen a portfolio using this state-of-the-art tool.
Marketing and Sales Materials
Find marketing and sales materials by expanding the categories below. You can view individual materials or download a zip file of all selected materials.









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