Beginners Guide to:
Registered Index Lined Annuities (RILA)

Today's Top
Fixed Rates

4.30%
2 Year

5.00%
3 Year

6.15%
5 Year

5.15%
10 Year

What is a RILA (Registered Index Linked Annuity)?

Registered Index Linked Annuities, or RILA’s, were created as a “middle ground” or “hybrid annuity”. RILA’s provide exposure to a published stock market index along with a level of protection from market loss. While this kind of annuity tracks the movement of an index, it does not directly invest in any stock or equity vehicle.

Because you assume some of the risks of loss from market downturns, a registered index-linked annuity may allow for greater growth potential than a fixed annuity or fixed index annuity .

Note: You may see or hear a Registered Index Linked Annuity referred to as:

RILA
Hybrid Annuity
Structured Annuity
Buffered Annuity

If you’d like additional insight into the RILA market we suggest AM Best’s Special Report: Registered Index-Linked Annuities Gaining Foothold in Variable Annuities Segment.

What is Your "Comfort Zone"?

How much risk are you willing to take to grow your retirement nest egg?

Selecting a product with the right blend of risk and potential can increase your confidence in your retirement income plan, which will make it easier to stay the course along the way.

How Does a Registered Index Linked Annuity Work?

As you prepare for retirement, you may find yourself seeking a balance of growth and protection. A registered index-linked annuity offers indexed strategies that let you take advantage of positive market performance while providing a level of protection against market downturns.

When index performance is positive during a term, strategies earn a return, up to a cap. When index performance is negative during a term, strategies may lose value, limited by either a buffer or a floor.

Some Insurers issue RILAs that offer both floor and bucket strategies while some insurer only offers one or the other options.

-10% Floor Strategy

Protects against index losses in excess of -10%

It may be a fit if you’re seeking protection against major market downturns, which are more common during bear market cycles

10% Buffer Strategy

Protects against the first 10% of index losses
It may be a fit if you’re seeking protection against minor market downturns, which are more common during bull market cycles

Types of Annuities Comparison Table

There’s no one-size-fits-all approach to retirement planning. That’s why there’s a broad range of annuities available to help meet your unique financial needs. The table below is designed to help compare the key features of each type of available annuity.

Annuity Companies that Offer Registered Index Linked Annuities

Athene Amplify

Cuna Member Zone

Great American Index Frontier

Nationwide Defined Protection Annuity

Lincoln Level Advantage

What Our Clients Are Saying

It has been a complete pleasure to deal with Kiara on several occasions opening new annuities. She has a wonderful personality and most importantly has my best interests in mind. She makes sound and knowledgeable investments.

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I would highly recommend My Annuity Store and Kiara for your annuity investment needs. They are very helpful and knowledgeable.

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I worked with Jason and Kiara setting up an annuity. They went over and above expectations. They got me the best deal and were very fast getting all the papers in order via 2 day ups. I will be working with them in the near future. Exellent service!

Richard Miles

Jason is very knowledgeable in his field and clearly explained all my questions and helped with an easy transition of my funds into a new annuity with a higher interest rate. Jason keeps me up to date with changes in the market and information on better products.

Kevin Pourmaleki

I used My Annuity Store, Inc. for the first time and had a smooth and pleasant experience. Kiara Caudill was responsive, personable and quickly found me the best yield rates out in the market to meet my type of investment. Closing the deal was fast and simple as well, Kiara handled the bulk of the application process simplifying a few quick and easy signing steps on my end.

Bill Harner

I recently opened 2 annuities with Jason. Everything was explained and handled in a very professional manner. Was processed very quickly without any problems. Would highly recommend Jason for any of your annuity needs. Richard Clark

Richard Clark

Did business with My Annuity Store, Inc. for two annuities. Worked with Kiara both times. She was very informative and will keep you informed throughout the process. You will be very pleased with them.

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I had very positive end-to-end experience with My Annuity Store. They were very transparent about various options I had, and did their best to explain the rather complicated terminology in different annuity schemes. It was very satisfactory collaboration till the end.. Thsnks!

Satisha Bhat

Beginners Guide to:
Registered Index Lined Annuities (RILA)