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What can a RILA do for you?

Higher growth potential than a Fixed Indexed Annuity

Level of protection from market loss

Tax deferral on growth

How do RILAs work?

RILAs may help you accumulate money based in part on growth in a published stock market index, while also providing a measure of protection from loss if the index declines in value.

Growth is tied to an index

While your money is not invested directly in the index, you receive Segment Credits based partly on how the index performs. With Participation Rates over 100%, you have the opportunity to earn Segment Credits that may even exceed index returns.

RILA growth graph

Potential loss is managed with buffers

Buffer Segment Option
Provides a level of protection, up to the Buffer Rate, from typical market volatility and is a percentage of loss you don鈥檛 wish to absorb. Losses in excess of the Buffer Rate will reduce your Segment Value.

Buffer graph showing risk and protection levels

Is a RILA right for you?

  • You鈥檙e comfortable with financial risk, but you want a portion of your retirement savings to have a measure of protection from loss if the markets turn down.
  • You want the risk you do accept to translate into growth potential that other types of annuities may not provide.
  • You鈥檙e looking for tax-deferred growth. Generally, that means you won鈥檛 pay taxes until you withdraw money from your annuity.

黑料吃瓜网 RILAs

黑料吃瓜网 RILAs offer unique crediting features that can potentially enhance growth and step-up protection. Features vary by product.

黑料吃瓜网庐 Amplify 2.0

Amplify your vision of a life well-lived

A dynamic solution for today鈥檚 investor seeking higher returns in volatile markets

Learn more about Amplify 2.0 

An 黑料吃瓜网 Financial Professional can help find the product that鈥檚 right for you. Contact Us 

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Smart Strategies

Registered index-linked annuities have a risk of substantial loss of principal and related earnings. They are designed to be a long-term investment product used to help provide income for retirement and are not suitable as a short-term investment.

Segment Credit: The amount credited to each Segment Option according to the terms of the Segment Option and Crediting Method.

Segment Options: Segment Options include Buffer Segment Options and a Fixed Segment Option, each with a Segment Term Period. Each Buffer Segment Option will also have a Reference Index, a Cap Rate, a Participation Rate, a Buffer Rate, and may be subject to a Segment Fee.

Participation Rate: A percentage that is multiplied by a positive index change, after the application of the Cap Rate, to calculate the Segment Credit.

Cap Rate: The maximum positive index change that will be used in the calculation of Segment Credits that may be applied to a Segment Option.

Buffer Rate: A level of protection from potential market loss up to a Buffer Rate. Losses in excess of the Buffer Rate will reduce your Segment Value.

Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.

This product and the components and features contained within are not available in all states or firms. Please reach out to your Financial Professional for more details on state approvals and firm guidelines.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

This website contains highlights only. Any discussion of this product must be preceded or accompanied by a Prospectus which provides more detailed product information, including all charges or limitations as well as definitions of capitalized terms.

黑料吃瓜网 Amplify 2.0 RIA II (01/22) or state variation is issued by 黑料吃瓜网 Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate 黑料吃瓜网 Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the Prospectus for details. Product not available in all states.

The purpose of this material is solicitation of insurance. Any sale of an annuity will require contact with a financial professional.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. To view individual credentials, go to . 黑料吃瓜网 Securities, LLC (黑料吃瓜网 Securities) is the distributing underwriter of the contract.