While a Fixed-Indexed Annuity is not for everyone, an annuity can play an invaluable role for so many.

In the qualified market, the annuity can be chosen as one of the funding vehicles for some of their qualified plan dollars, IRA, 403(b), SEP, and other retirement plans.

In the non-qualified market, a tax-deferred annuity can be a nice alternative to a taxable alternative.

Generally speaking, the older, more risk adverse individual can lean in the direction of the fixed-indexed annuity. The younger individual - more tolerant of risk and with a longer time horizon –might turn to other products to a greater extent. In actuality, both age groups should own both types, not one, but in different percentages based on time horizon, their current portfolio, and tolerance for risk.

In this chapter, you’ll learn the advantages and disadvantages of fixed-indexed annuities and annuitization. Why? Because, we want to give the consumer our best.