FIXED INDEXED ANNUITIES

Index-linked growth with a floor under the principal.

A fixed indexed annuity credits interest tied to a market index, with a floor that protects principal from index losses in exchange for a cap or participation rate on the upside. Tax-deferred accumulation, and with an optional rider, income the client cannot outlive.

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01 · WHAT IT IS

Growth that tracks an index, without direct market risk.

An FIA is a tax-deferred contract that ties its interest to the performance of a market index. The client is not invested in the market directly. Instead the contract uses a floor to shield principal from index losses, and in exchange applies a cap or a participation rate that limits how much of the index gain gets credited. It is built for protected accumulation ... a way to pursue index-linked growth for retirement money that cannot afford a large loss.

Interest linked to a market index Floor protects principal from index losses Cap or participation rate on the upside Tax-deferred accumulation Optional lifetime-income rider

02 · HOW IT WORKS

The client trades some upside for a hard floor.

The mechanics come down to one exchange. The client gives up part of the index's upside, and in return the contract will not let index losses pull principal backward. That single trade is what makes an FIA fit a risk-averse retirement plan.

The exchange

Give up some of the index's upside ... in return for a floor that keeps index losses off the principal.

When the index rises

Interest is credited

The contract credits interest based on the index gain, limited by the cap or the participation rate on the strategy.

When the index falls

The floor holds

Index losses do not touch the principal. The contract does not go backward from a down index year.

03 · WHO IT FITS

Built for the client who cannot afford a large loss.

An FIA fits the client who wants growth linked to an index without direct market risk ... often someone approaching or already in retirement. It serves two very different buyers, and knowing which one is across the table is where the case design starts.

SF The risk-averse saver

A pre or post retiree who wants their retirement money to grow but cannot stomach a large loss on the way there.

AC The accumulation client

The client focused on protected, tax-deferred growth ... positioning a lump sum to compound without index-loss exposure.

IN The income client

The client buying guaranteed lifetime income through an income rider, so the retirement paycheck does not depend on the market.

04 · TWO WAYS TO USE IT

Protected accumulation, or income for life.

The same contract solves two different problems depending on how it is structured. Deferred FIAs lean toward accumulation, while an income rider turns the contract into a lifetime paycheck. Knowing which the client actually needs ... immediate income or deferred growth ... decides how the case gets built.

Path one

Protected accumulation

Left to defer, the contract pursues index-linked growth on a tax-deferred basis, with the floor keeping index losses off the principal the whole way. This is the client repositioning a lump sum for retirement without direct market risk.

Best for the client with time before the money is needed.

Path two

Guaranteed lifetime income

An optional income rider layers a guaranteed lifetime withdrawal benefit on top of the contract, so the client cannot outlive the income regardless of index performance. The rider carries its own roll-up and payout mechanics, which vary by carrier.

Compare the rider across carriers before recommending one ... the roll-up and payout differ, and that difference is the case.

05 · HOW BROKERS ALLIANCE SUPPORTS THE CASE

Access to the carriers, plus the team that builds the case.

Brokers Alliance backs the FIA sale end to end ... from the illustration to the client conversation to the placed application. A dedicated annuity support team runs illustrations and case management, and the tools, workshops, and consumer materials live inside myAdvisor Cloud (MAC). Independently owned since 1982, with 73+ carrier relationships, we bring the access and the case support that turn product into placed business.

CM Illustrations and case management

A dedicated annuity support team runs the illustrations and manages the case, so the application moves and nothing stalls.

IP Income planning solutions

In-depth income planning support that positions the FIA the right way inside a balanced retirement income plan.

WS Workshops and seminars

Customized annuity workshops and seminars that get producers fluent and put them in front of prospects.

CV Client-facing materials

Customized website content and consumer videos that explain index-linked income clearly before you ever talk product.

No contracting fee, no platform fee, no monthly cost Brokers Alliance owns no carrier ... the recommendation follows the client 73+ carrier relationships Independently owned since 1982 Fountain Hills, AZ (866) 872-9394

Ready to write fixed indexed annuities?

Get contracted with Brokers Alliance and put carrier access, dedicated case design, and free client-facing tools behind every income and accumulation conversation. Free and open contracting ... call (866) 872-9394.

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