Are Index Annuities Guaranteed?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Guarantees Offered by Index Annuities

  1. Protection Against Stock Market Volatility: Index annuities provide a safety net against losses due to stock market downturns. Your principal investment remains secure from market volatility.
  2. Minimum Guaranteed Value: These annuities ensure a baseline value, safeguarding your investment from dropping below a certain amount.
  3. Guaranteed Income Stream: If opted, index annuities can offer a guaranteed income for a specified period of life, providing financial stability.
  4. Fixed Interest Rate Annually: Each year, a fixed interest rate is declared, offering a predictable return on your investment.

Index Annuity Guarantees

Guarantee FeatureDescriptionBenefit to Investor
Protection from Market LossShields against stock market declinesSecures principal investment
Minimum Guaranteed ValueSets a floor for investment valuePrevents investment value drop
Guaranteed Income StreamProvides fixed income for a period or for lifeEnsures steady income
Annual Fixed Interest RateDeclares a stable interest rate yearlyOffers predictable returns


Index annuities provide robust guarantees that make them a secure financial tool for investors seeking protection from market volatility, a safety net for their investment’s value, a steady income stream, and a predictable annual return. These features collectively offer peace of mind and financial stability. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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