Maybe it’s time to look at a Fixed Indexed Annuity
Backed up by the reserves of the the insurance company, a fixed indexed annuity can fund your retirement plan with an ideal combination of market gains and maximum safety. With an indexed annuity, funds can grow with the market (subject to a cap), but not experience the losses associated with many plans. In fact once a gain is achieved, it is “locked in” and can never go lower (unless you withdraw some of the money).

Income Riders
For people age 40 and above interested in guaranteed income during their retirement, an income rider is an optionalrider you can add to your Annuity Contract. Designed to help generate a higher level of guaranteed lifetime income, an income rider allows you the ability to control when you receive income payments. Since this rider works in concert with your annuity, together the two can provide you ways to enhance your long-term income. The advantage of the fixed indexed annuity is that it puts some stability into your retirement plans. By eliminating the possibility of losses, it helps us to help you do some concrete planning.