At a glance
How can Foundations Annuity, a fixed index annuity, help your clients weather today's market conditions?
- 1% Bonus on first-year Purchase Payments
- Participation in a portion of positive Index-linked gains
- Protection from all market loss
- Preservation of Principal
- 10% Free Withdrawals1
Accumulation potential paired with protection against all market loss is a safe and smart strategy for your risk-averse clients nearing or already in retirement. With Foundations, your clients can choose from any combination of a Fixed Account or seven index crediting strategies to help build a portion of their retirement savings, without risk:
Guaranteed Minimum Interest Rate 1. Fixed Account S&P 500® Index Accounts; caps apply 2. Annual Average Index Account 3. Annual Point to Point Index Account 4. Monthly Sum Index Account S&P 500® Low Volatility Daily Risk Control 5% Index Accounts; Uncapped, annual spreads apply 5. Annual Point to Point Index Account 6. 2-year Point to Point Index Account S&P 500® Factor Rotator Daily RC2 7% Index Accounts; Uncapped, participation rates and annual spreads apply 7. Annual Point to Point Index Account 8. 2-year Point to Point Index Account |
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HOW FOUNDATIONS ADDRESSES VOLATILITYHaving the option to choose crediting strategies benchmarked against a Low Vol Index can be helpful, especially in periods of market turbulence. With the S&P 500® Low Vol Index Accounts, both uncapped strategies, your clients could participate in more of the index's gains than in capped accounts (annual spreads do apply). We have resources that explain how the Index is constructed, as well as hypothetical performance data for you to review. |
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HOW FOUNDATIONS ADDRESSES BOTH VOLATILITY AND DIVERSIFICATIONHaving the option to choose crediting strategies benchmarked against an index comprised of multiple factor indices, including Low Volatility, can be helpful in time of both economic recovery and volatility. With the S&P 500® Factor Rotator Daily RC2 7% Index Accounts, both uncapped strategies, your clients could participate in more of the index's gains than in capped accounts (participation rate applies - current spread is 0%). We have resources that explain how the Index is constructed, as well as hypothetical performance data for you to review. |
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SELLING FOUNDATIONSThe first steps in selling Foundations:
FIAs don’t have to be complicated, and with Foundations, we’ve created content to help make it easier to educate your clients on how the product works. From client-friendly presentations to sales ideas and direct mail pieces to help you generate interest, use the resources linked below to start conversations with your clients. |
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PRODUCT VIDEOSThese client-friendly explainer videos show and tell the advantages of Foundations and how interest credits are calculated in each of the Index strategies. |
Foundations Overview See how the Foundations Annuity works to preserve your principal while allowing for accumulation. |
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S&P 500® Low Volatility Daily Risk Control 5% Index Account Find out how interest is credited using this uncapped strategy designed to manage market volatility (an annual spread applies). |
S&P 500®Factor Rotator Daily RC2 7% Index Account Find out how interest is credited in this uncapped strategy designed to select the performing of five factor indices in a single Index - including a low volatility factor. |
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S&P 500® Annual Point to Point Index Account Learn how we credit interest based on the percentage change in the index from one contract anniversary to the next. |
S&P 500® Monthly Sum Index Account Find out how interest is calculated based on the sum of the monthly changes from the S&P 500® index value from the previous year (a cap applies to each positive monthly change, but not to negative changes). |
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S&P 500® Annual Average Index Account This video shows how interest is calculated based on the average of the monthly ending values of the S&P 500® Index Value and is compared to the Index Value on the previous contract anniversary. |
1After the first contract anniversary and during the surrender charge period, clients can withdraw up to 10% of Account Value, free of surrender charges or market value adjustments.
For more information (including financial professional fact sheets and resources), contact your dedicated Sales Team.
We’re here to help your clients To and Through Retirement®.