Registered Index Linked Annuities (RILAS)

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 risk 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 RILA market we suggest AM Best’s Special Report: Registered Index-Linked Annuities Gaining Foothold in Variable Annuities Segment.

How do Registered Index Linked Annuities 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 RILA’s that offer both a floor and bucket strategies while some insurer’s only offer one or the other options.

10% Buffer Strategy

Protects against the first

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

What is Your "Comfort Zone"?

Protects against index losses in excess of -10%

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

-10% Floor Strategy

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.

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.

Registered Index Linked Annuity Products

Athene Amplify

Cuna Member Zone

Great American Index Frontier

Nationwide Defined Protection Annuity

Lincoln Level Advantage

Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. is a licensed fixed annuity producer and does not advise clients on the purchase of non-fixed annuity products. The information presented here is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, immediate annuity, longevity annuity, Qualified Longevity Annuity Contract, long-term care annuity, or any other investment or insurance product. Kiara Caudill California License: 4109080.

The contract features described may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts that are ‘state-specific’. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please call (855) 583-1104 if you have any questions or concerns.

The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and is not intended to be tax or legal advice. You should always consult your own financial planning, tax, and legal advisors to determine if a fixed annuity, fixed index annuity, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract is suitable in your financial situation.

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