FIA Plus®
Increased growth potential.
Tax-deferred income.
Principal protection.
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An innovative crediting strategy.
The FIA Plus® brings the exciting potential of increased growth when exposing previous gains to risk of loss. You can select how your contract value may grow, but as with other fixed annuities, your initial principal is always protected and not subject to market losses.
Choose between a single index, multiple indices and/or a fixed rate of return. For any amount allocated to an index, your contract is credited according to the annual performance of that index, multiplied by a participation rate or subject to a cap. When an amount is allocated to the fixed rate, it earns that declared rate for a set time.
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The FIA Plus®. Adding more optionality.
The FIA Plus® offers many of the standard annuity features, plus more options – including the ability to adjust your risk and return profile over your contract period. As your gains are tracked, you can decide to put them at risk for even more upside potential. If you don’t want the additional risk, or don’t believe the market is in your favor, you’re never obligated to use this option.
Learn how the FIA Plus® might be right for you.
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Ibexis FIA Plus® offers crediting strategies based on the performance of the S&P 500®, as well as cutting-edge, proprietary index options offered in partnership with Bank of America®, HSBC®, UBS and BlackRock.
Offered in partnership with HSBC, this index leverages the artificial intelligence of Amazon & Amazon Web Services (AWS) to gain an informational advantage in the index investment process. The index uses AWS to analyze and learn from data thousands of times faster than humans, enabling the index to automatically adapt its approach as market dynamics change and new information becomes available.
Developed in collaboration with Bank of America, this index applies BofA’s patented Fast Convergence technology to the Russell 1000® Total Return Index, an equity index tracking the 1,000 largest U.S. listed stocks by market cap. The Index is designed to provide access to U.S. equity growth while rebalancing during the trading day to target 12.5% annualized volatility.
This index offers investors a unique combination of broad U.S. equity exposure and cryptocurrency-linked growth potential through the iShares® Core S&P 500 ETF and the iShares® Bitcoin Trust ETF. By pairing traditional equity exposure with access to the iShares® Bitcoin Trust ETF—one of the fastest-growing ETFs in history—the index seeks to capture diversified growth opportunities while dynamically managing risk to maintain a 12% target volatility.
This Index provides exposure to E-mini S&P 500 futures while employing an intraday volatility control mechanism designed to maintain a 16% volatility target. The strategy is based on the forecasting methodology developed by Nobel Laureate Professor Robert F. Engle.
Legacy Transfer
Transfer your wealth to loved ones.
At the end of your life, any named beneficiary will receive the value of your annuity in a lump sum payment. If you were already being paid out the value for a specific term, the beneficiary will receive the remainder of those payments. This feature generally eliminates the need for the annuity benefits to go through a lengthy, expensive probate process.
Tax Deferral
Only pay tax on cash-in-hand.
As a retirement product, annuities come with attractive tax benefits. Taxed are deferred on the interest you earn until you make a withdrawal or receive your first payment.
Free Partial Withdrawals
Access when you need it.
Should any situation arise where you need to withdraw early, you always have access to your account. Beginning in the second year of your contract, you may withdraw up to 10% of the previous year’s total accumulation value before incurring a “surrender charge”. Annuities are a long-term retirement product, so make sure to consider if you might need the money soon.