FIA's / What questions should I ask my agent or company

What are the most importat questions to ask before buying an annuity?

• How long is the term?
• What is the minimum guaranteed interest rate?
• What is the participation rate? For how long is it guaranteed?
• Is there a minimum participation rate?
• Does the contract have an interest rate cap? What is it?
• Does the contract have an interest rate floor? What is it?
• Is interest rate averaging used? How does it work?
• Is interest compounded during a term?
• Are there any fees in the contract?
• What indexing method is used?
• What are the surrender charges or penalties if I want to end my contract early?

If you have more questions about the information provided or about your retirement situation please contact your local Safe Money Representative or ask the experts.

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