Are You Prepared for a Secure Retirement with Lifelong Income and Growth?

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Many individuals are unaware of how Fixed Indexed Annuities (FIAs) can boost your retirement savings.

FIAs are a tax-deferred investment product that ties your premiums to a stock market index like the S&P 500. They combine growth opportunities with protection of your principal.

The Pitfalls of Traditional Savings Methods

Traditional savings accounts and fixed investments often fail to provide the necessary growth to keep up with inflation, leaving you short of funds for retirement. Market fluctuations can also jeopardize your savings, making it challenging to achieve consistent, long-term growth.

The Power of Fixed Indexed Annuities

Fixed Indexed Annuities offer a balanced solution by linking your returns to market performance while safeguarding your principal from market drops. These annuities ensure a steady income stream for life, making them

an excellent component of your retirement plan.

The Benefits

Tax-Deferred Growth

Enjoy the benefits of compounded growth without immediate tax implications.

Principal Safety

Your initial investment remains protected from negative market movements.

Investment Flexibility

Choose between market-linked growth or a fixed interest rate.

Lifetime Income

Guarantee a lifetime income stream with optional riders.

Credited Earnings

Receive credited earnings at the end of each term, even in a down market.

Beneficiary Benefits

Transfer assets to your beneficiaries efficiently, bypassing probate.

Enhanced Death Benefits

Options available for joint coverage, providing benefits upon the first spouse’s death.

What happens after you reach out

Tell us about you
Share your name, contact details and what you'd like to protect. It takes about a minute.
Talk with a licensed agent
An agent reaches out to learn your goals and budget and answer your questions.
Compare and decide
Review options side by side and choose what fits, at your own pace.

What clients say about working with CPIS

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Getting started is simple.

When you invest in a Fixed Indexed Annuity, your premiums are tied to a selected market index. While your money isn’t directly invested in the stock market, it earns interest based on the index’s performance. This structure allows for growth potential while ensuring your principal is protected. At the end of each term, earnings are added to your account, and you can opt to receive lifetime income or continue growing your investment.

Ensure your retirement savings are secure and growing and start planning today

Frequently Asked Questions

How does an indexed annuity differ from a fixed annuity

The difference between the two is in how much your principal will earn. A fixed annuity guarantees compounded returns based on a fixed interest rate. An index annuity's returns vary with the market index it is linked to.

What does "principal Protection" mean?

Your money in a fixed index annuity (FIA) is not at risk from market losses. While FIAs credit interest based on an external index, you don’t actually participate in the market. This means your principal is safe from market losses, though fees and charges can still reduce your annuity's value.

What are the initial cap rate guaranteed periods?

After five or seven years, the initial guaranteed period expires. Renewal interest rates and caps are declared each contract anniversary. These rates and caps will never be less than the minimums stated in the contract.

How is indexed interested calculated?

Indexed interest is determined by index allocation options and crediting methods. Each crediting period, you can allocate your cash value to options that track an external index's performance. If the index performs well, we use a formula to calculate your indexed interest. Since no single allocation or crediting method is always best, your financial professional can help you choose the right combination for your goals.