What’s Love Got To Do With It? How Fixed Indexed Annuities Protect Your Partner’s Future
February 3, 2026
“Insure Your Love” month takes place every February — a reminder that protecting a partner isn’t just emotional but also financial. Love shows up in everyday moments, but it also shows up in the plans you put in place for long-term stability.
For many families, fixed indexed annuities (FIAs) can be one meaningful way to plan for a future rooted in love, intention, and financial security. They offer a structured approach to growth and protection, helping couples think beyond today and toward what tomorrow may require.
This conversation, however, should always begin with people — not products. The real starting point is defining what security means for you and your partner. Once those priorities are clear, you can evaluate financial tools like FIAs within the context of the life you’re building together.
Why Retirement Planning Is About More Than Just You
Retirement decisions don’t just affect individuals. Couples benefit from retirement planning, too. What happens if one spouse passes away and pension or Social Security income drops? How can the remaining spouse stay secure?
A fixed indexed annuity is one way couples can mitigate common concerns leading up to retirement, such as outliving savings, weathering market uncertainty, and providing financial support to a surviving spouse. When partners plan for this future together, there are fewer surprises.
Planning together will mean different things for different people, but evaluating a fixed indexed annuity may include:
- Reviewing liquidity needs
- Protecting your principal from market downturns
- Creating a predictable baseline to cover essential expenses
How Fixed Indexed Annuities Can Support a Partner’s Financial Security
So, how do fixed indexed annuities help protect your partner’s future? FIAs strike a comfortable balance between financial growth and protection. Growth is tied to an index, while your principal is shielded from market losses.
FIAs can be a good fit for couples when one partner is more risk-averse, as they provide predictable lifetime income. If one spouse passes away, the other spouse still receives lifetime payments, helping maintain stability. Keep in mind, fixed indexed annuities are not a standalone solution — they work best as just one component of your broader financial strategy.
Review your contract carefully to fully understand how downside protection works, whether there are penalties for early withdrawals, when lifetime income payouts start, and how those payouts affect the overall value of the account.
What Couples Should Consider Before Choosing a Fixed Indexed Annuity
Before selecting a fixed indexed annuity, engage in some thoughtful conversations. Review your long-term goals, timelines, risk tolerances, and how you expect these income payouts to fit with other sources of income. Are you pre-retirement or already retired? What baseline income do you absolutely need each month?
Beneficiary planning should align with broader goals, such as protecting the surviving spouse, preserving assets for heirs, and ensuring fairness in blended family situations. You can set up the annuity to distribute assets in accordance with your intentions.
We recommend speaking with a trusted representative who understands your family’s financial goals and priorities before making any final decisions.
Love, Commitment, and Planning for What Comes Next
Protecting your partner means more than just emotional support. You’ll want to protect their long-term financial security, too. Fixed indexed annuities are a practical way to combine your love with long-term financial confidence.
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. Contact us today to explore your options and continue the conversation with someone who shares your values.
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 take pride in giving back to the communities 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. Our commitment to excellence has been recognized by Forbes, naming 1891 Financial Life among “The World’s Best Life Insurance Companies” in 2023 — and for the second time, as one of “America’s Best Life Insurance Companies,” ranking #1 in Term Life Insurance for 2026.
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.