Is A Fixed Index Annuity A Good Investment? 
Like the answer to many things in life , the answer is it depends ; what exactly it depends on is what you hope to accomplish with the fixed , or equity indexed annuity . If you are hoping to establish a life time income that can not be outlived , while protecting your beneficiaries if you pass away prematurely , a fixed index annuity with an income rider will accomplish this . If you want to participate in market growth linked to the S&P 500 , yet be protected 100 % against market declines , this product will accomplish this as well . Lastly , one of the biggest derailments of sound retirement planning is the threat of health impairments , not covered by traditional health insurance . By choosing the proper index annuity , with the proper income rider , the income stream will double , usually for five to eight years , during impairment . You need to talk to an adviser that will recommend the proper annuity and income rider , based on your personal situation . If all of the above mentioned factors are in place , and if they are suitable to you as an individual , the short answer is -LRB- after the long winded explanation -RRB- yes , they are very good products . 