Fixed Index Annuities
S&P 500 Crediting on a Fixed Index Annuity: How It Works
How S&P 500 crediting works on an FIA: price return, cap rates, option budgets, annual point-to-point vs monthly sum, and…
My Annuity Store Resources
Annuity & Retirement Insights
Clear explanations, practical guides, and insights to help you understand annuities and plan for retirement.
-
-
Fixed Index Annuities
Proprietary Index Strategies on Fixed Index Annuities: A Complete Guide
What proprietary volatility-controlled indices are, how JPMorgan MOZAIC, Barclays Trailblazer, and others work, and how to evaluate them before…
-
Fixed Index Annuities
How Are Fixed Index Annuities Taxed? (2026 Guide)
Fixed index annuity taxes explained: tax deferral, the gains-first rule, the 10% penalty, RMDs, 1035 exchanges and inherited FIA rules.
-
Fixed Index Annuities
Best Fixed Index Annuities with an Income Rider (2026)
Top 5 FIAs with lifetime income riders. Rankings based on roll-up rates, payout percentages, and carrier strength from an independent…
-
Fixed Index Annuities
Best Fixed Index Annuities for Retirees Over 65 (2026)
Top 5 fixed index annuities for buyers 65+. Short surrender periods, top annuity companies, competitive caps. 2026 rankings from an…
-
Fixed Index Annuities
Best Fixed Index Annuities for the Accumulation Phase (Ages 50-64)
Top 6 FIAs for 50-somethings in the accumulation phase. Higher caps, premium bonuses, 10-year growth-focused products from top annuity companies.
-
Fixed Index Annuities
Monthly Sum Crediting Method in Fixed Index Annuities (2026)
Monthly sum FIA crediting caps positive months but counts full negative months. See when it beats annual point-to-point and when…
-
Fixed Index Annuities
Participation Rate in Fixed Index Annuities Explained (2026)
A participation rate is one of three mechanisms a fixed index annuity uses to determine how much of an index's…
-
Fixed Index Annuities
Spread (Margin) Crediting in Fixed Index Annuities Explained (2026)
A spread subtracts a fixed percentage from the index return. Learn the breakeven math, typical rates, and when spreads beat…
