Balanced Growth Seekers
You want market-linked growth potential but can't afford to lose your principal. You're willing to accept caps on gains for downside protection.
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Growth with Protection
Fixed Indexed Annuity: Growth
Fixed Indexed Annuities combine market growth potential with principal protection by linking returns to market indexed performance.
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Key features
When markets go up, you earn a portion of those gains, but when markets fall, you earn 0% instead of losing money. Growth-focused FIAs are a favorite for planners seeking growth opportunities while ensuring their initial investment stays safe.
Market Upside
Benefit from returns tied to the market.
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Tax Benefits
Growth is tax-deferred until withdrawal
Principal Protected
Protect your principal, even in a down market.
Safety
Backed by Insurance companies
Benefits
How Growth FIAs Work: simplifying your finance
Index Linking
Your returns follow market index performance (like S&P 500)
Upside Participation
When markets go up, you earn a portion of those gains
Downside Protection
When markets fall, you never lose your principal
Annual Result
Each year starts fresh - previous gains are locked in
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Use Cases
Who Growth FIAs
Are Built For:
Market-Wary Investors
You've been burned by market losses before, but don't want to miss out entirely on potential gains when markets perform well.
Pre-Retirement Accumulators
You're 5-15 years from retirement and need growth to reach your goals, but you want to protect what you've already saved.
FAQ
The Big Questions
What is a Growth FIA?
How are Growth FIAs taxed?
How does a Growth FIA earn interest?
Can I lose money in a Growth FIA?
What are caps, spreads, and participation rates?
Can I withdraw my money if I need it?
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Choose Your Plan
Annuity
Comparison
All types include the folowing:
Death benefit provisions
Free look period
State insurance guaranty fund protection
Tax-deferred growth
MYGA
Key Differences
Same rate for the entire term
Typically provides higher rates than traditional fixed annuitles
Considerations
Most restrictive withdrawal terms
Fixed returns without market growth potential
Fixed term length with no extension options
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Learn more
Growth
Key Differences
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Capture market gains with downside protection
Choose from multiple wealth building strategies
Guaranteed lifetime income available through riders or annuitization
Considerations
Crediting methods and caps can be complex
Can come with higher fees
Potentially longer surrender periods
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Income
Key Differences
More flexible withdrawal options than MYGAs
Clear, predictable income for life
Considerations
Typically offers lower rates than MYGAs
Returns may not keep pace with inflation
Rules and guaranteed income options can be complex
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Learn more
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Testimonials
How lives
are transformed
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Hiwire made it easy
I had been overwhelmed trying to understand annuities, but Hiwire made it easy. They took the time to explain everything in plain language and answer all of my questions. I never felt rushed, and they truly cared about helping me choose what was best for my situation. Outstanding experience from start to finish.
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5.0
All of my questions were answered
My HiWire Financial Representative was very patient with me. He answered all of my questions.
5.0
An outstanding advisor
Nick didn't just read from a menu script. He was very in tune to my concerns. A major portion of our communication was via video chat, which makes a huge difference in customer satisfaction and impact of the presentation. The information was much easier to absorb.
5.0
Ready to Secure
your retirement
future?
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