Growth and Protection
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Growth & Protection Strategies
Safety is just one key to a prudent retirement vehicle
The early 2000s showed many families how unpredictable the market can be. During what’s often called the “Lost Decade,” millions watched their retirement savings drop unexpectedly. Not because they made bad choices — but because they weren’t protected from market swings.
Today’s economy brings its own ups and downs, and many people still worry about what the next few years will look like. The goal isn’t to fear the market — it’s to feel prepared for whatever comes.
That’s where indexing can help.
Indexing gives you a way to protect your principal from loss while still allowing your savings to grow when the market performs well. It’s a balanced approach designed to offer both safety and growth, helping you build your nest egg with confidence.
The Power of Indexing
Indexing creates a buffer between you and market volatility. It’s a way to participate in growth without exposing your savings to the full risk of market downturns.
Linked
With indexing, your money isn’t placed directly in the market. Instead, it’s linked to a market index.
When the market goes up, your account can benefit from the gains.
When the market goes down, your principal is protected by a guaranteed floor.
Guarantee
If the index you’re linked to drops significantly — like many did in 2003 or 2008 — your cash value won’t decline because your money isn’t actually invested in the market.
You receive protection through a 0% floor, which means your account won’t lose value due to market performance. Your principal remains safe and secure.
Indexing Credit
As the index grows during a defined period (commonly 12 months), your account receives credits based on that growth. This gives you the opportunity to earn competitive interest without taking on market losses.
Protected
One of the most reassuring parts of indexing is that gains are locked in each year.
Even if the index drops in the future, your previously credited gains stay protected. The process resets annually, so every year you have the opportunity to build on a stable foundation.
Your Indexing Options
A Properly Structured, Maximum-Funded Indexed Universal Life Policy
For individuals looking to grow money in a tax-advantaged environment — with the potential for tax-free access in retirement — a well-designed IUL can be a powerful tool.
When structured correctly and funded efficiently, these policies can offer flexibility, protection, and long-term benefits at a cost that is often more accessible than people expect.
Fixed Indexed Annuity
For those who want predictable income and protection from outliving their savings, a fixed indexed annuity may be a strong fit.
While many annuities in the marketplace don’t meet our standards, a select few provide the safety, clarity, and long-term guarantees that align with our values and the families we serve.