Annuities With Cash Value Strategies
A handful of insurance companies have developed a new type of annuity. New to the extent that its interest rate or return is not based on the rate determined by the insurer or by the index that follows a fixed-linked-like index like "The Dow" or "The S&P." What can it do? Simply put, the annuity can have values based by various bond strategies like:

• Investment Grade
• Convertible Bond
• Non-Investment Grade

In addition, the owner may transfer a percentage of the value from one bond strategy to another.
Owner profile: One who wants faster growth than a traditional fixed annuity but does not want risk to principal.