Fixed Indexed Annuity (FIA) - AuguStar Financial

Fixed Indexed Annuity (FIA)

Combining the best of both worlds; upside growth potential based on the performance of specific market indices, along with downside protection, which keeps your money safe from market losses. A FIA provides a growth opportunity for the assets you can’t afford to lose.

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Product details

Diverse index options and crediting strategies

  • Choose from unique indices and a fixed account to gain exposure to different asset classes and geographic regions.
  • Crediting strategies including caps and participation rates offer different ways to lock in interest earned.
  • Offering some of the most competitive rates in the industry.

Flexibility and meeting client needs

  • Lineup includes multiple product durations, so you can choose the timeframe that works best for you.
  • Growth features can cater to those focused on accumulation and growing their money.
  • Income features allow you to take your money when you need it to cover expenses in retirement.
  • Interest earned grows tax deferred to help keep more of your money growing before paying taxes.

Additional features and optional riders

  • Optional Premium Bonus can provide more money up front to benefit from tax deferred growth.
  • Built-in Equilibrium Plus rider guarantees income for life along with a guaranteed growth of income.
  • Guaranteed Accumulation Protection (GAP) ensures you’ll experience a minimum percentage of credited interest at the end of you contract.
  • A death benefit can offer several ways for you to leave a legacy for your loved ones
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Annuities are issued by AuguStar Life Insurance Company. Guarantees are based on the claims-paying ability of the issuer. Guarantees do not apply to the investment performance of any index.

Early withdrawals may be subject to surrender charges. Withdrawals may be subject to ordinary income tax and, if taken prior to age 59½, a 10% additional federal tax may apply. Fixed annuities are not insured or guaranteed by the FDIC or any other government agency.

Fixed indexed annuities (“FIA”) are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, FIAs may provide an income stream or a lump sum. If you die during the accumulation or payout phase, your beneficiary may be eligible to receive any remaining Contract Value.

Products, product features, and rider availability vary by state. Issuer not licensed to conduct business in NY.

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