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FIXED INDEX ANNUITY RESET - Insurance Lead Conversion Video | WebPrez

Name: FIXED INDEX ANNUITY RESET - Insurance Lead Conversion Video | WebPrez
Uploaded: 2019-08-10T00:13:03+00:00
Duration: 1 min 4 s
Channel: Michael Viñal
Description: The speaker explains how fixed indexed annuities (FIAs) credit interest by linking to a market index such as the S&P 500 while shielding the contract…

10 Aug 2019 · 1 min

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The speaker explains how fixed indexed annuities (FIAs) credit interest by linking to a market index such as the S&P 500 while shielding the contract holder from downside losses. The central feature highlighted is the annual point‑to‑point reset provision. The reset serves two key purposes: it sets the dates that define the index measurement period, thereby protecting accrued interest from any index declines, and it establishes the starting index value for the next period, allowing the contract to capture “gainbacks” – the recovery of previously lost index value – even if the market remains below its prior peak. This mechanism enables investors to benefit from market upturns without risking principal loss.

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Indexed retirement insurance contracts credit interest to your money by tracking the gains of a market index, like the S&P 500, but without the risk of losing any of your money whenever the market index is down. And one of the most important features of an indexed retirement insurance contract is the point-to-point reset provision. Why? Two reasons. One, the reset determines the dates used to track the index gains, which also protect your interest earnings from index losses. And two, the reset establishes the index value from which to track the index gains, which enable you to profit from both the ups and the downs of the stock market by tracking the gainbacks after the losses, even while the market index is still down. Of course, the index will gain or lose value every day, but with an annual point-to-point