A Smarter Way To Secure Retirement: Exploring Fixed Indexed Annuities With 1891
July 15, 2025
Planning for retirement often means striking the right balance between growth and safety in your portfolio. Fixed indexed annuities (FIAs) are a smart solution offering the best of both worlds: market-linked potential plus downside protection.
The FIA options from 1891 can fit into your long-term retirement strategy in a variety of ways.
What Is an FIA?
An FIA is a deferred annuity contract that provides growth potential based on the returns of a market index. The advantage of allowing your money to earn interest credits based on a market index while protecting it from direct market losses.
In other words, when markets rise, your account can grow with earned interest based on performance. At the same time, if markets fall, your principal is protected and will never drop below zero.
FIAs offer peace of mind, tax-deferred growth, and lifetime income to fit your financial goals.
Why More People Are Considering FIAs Today
Interest in FIAs is rising. According to LIMRA, year-to-date sales of FIAs hit a record $95 billion in 2024, a 34% increase from 2023.
Various factors make FIAs a popular and attractive choice for investors. These include stock market uncertainty, guaranteed savings protection, and flexible payout options to fit different retirement timelines. FIAs can also help fill any income gaps left by employer-sponsored retirement plans like pensions or 401(k)s.
The summer months are an ideal time to review your retirement strategy. Life gets busy as the holidays approach and the year comes to a close. Taking time now to review and adjust your portfolio as needed will help you make smart financial decisions without feeling rushed.
1891’s Approach to FIAs
1891 Financial Life offers member-focused financial products for individuals and families while supporting service projects that reflect our community values.
Our FIAs are designed to give you more control over your financial future. They can be customized to match your personal goals and comfort level regarding risk. We offer transparent terms, no hidden fees, and real support.
How To Decide if an FIA Is Right for You
Before choosing an FIA, ask yourself how lifetime income fits into your long-term plan. You should understand your financial goals, risk tolerance, and retirement timeline.
A potential downside to a fixed indexed annuity is that it’s designed to be a long-term financial strategy. So, keep that in mind if you want access to funds quickly or seek high growth. Withdrawing funds early could trigger tax penalties.
That said, if you are nearing retirement and want to preserve your principal against a volatile market, an FIA might be right for you. It can provide a steady, reliable income stream throughout your retirement years.
At 1891 Financial Life, we specialize in providing tailored insurance solutions that cater to diverse needs. Our team is equipped to help you navigate these challenges with expertise and compassion.
Speaking with an 1891 representative can give you a personalized look at FIA options and help you make an informed decision about your future. Contact us today for personalized assistance and to explore your options.
About 1891 Financial Life
Our culture is about looking out — for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We pride ourselves on giving back to the communities that we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits along with social, educational, and volunteer programs designed to respond to community needs. In 2023, 1891 Financial Life was listed by Forbes as one of "The World's Best Life Insurance Companies."
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs no matter what stage of life you’re in.