Index Annuities offer a very strong value proposition- by protecting against loss while simultaneously offering partial market participation, and doing so in a vehicle that does not come with substantial fees (like variable annuities), Insurance companies have created a compelling offering.
When you look at how they performed over time, the value is even more astounding.
Look at this calculator- use the start year and click through time to see how these could work for you. Yes, they don’t exceed the market in all years, but they sure do smooth out the wild ride!
Here is a more traditional way of looking at the data, in a table, but the visual calculator is more effective: