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What Is a Fixed Index Annuity?
A Fixed Index Annuity (FIA) is a retirement savings contract between you and an insurance carrier. Your money grows based on the performance of a market index — like the S&P 500 — but you are never directly invested in the market.
That means two things most retirement accounts can't offer you at the same time:
Market-Linked Growth
Returns tied to top indexes like the S&P 500 — without direct market exposure.
Zero Downside Risk
A built-in 0% floor means your principal is protected in any market downturn
Guaranteed Income
Optional lifetime income rider turns your FIA into a retirement paycheck for life.
Why Clients Choose a Fixed Index Annuity
✓ 0% Floor Protection Your principal is never at risk, even in a down market.
✓ Up to 22% Enrollment Bonus On your rollover balance — added at contract issue.
✓ Tax-Deferred Growth Money compounds without annual tax drag.
✓ Lifetime Income Option Turn your balance into a guaranteed retirement paycheck.
✓ Uncapped Growth Strategies Some carriers offer unlimited upside participation.
✓ No Annual Fees Select strategies have zero management fees.
✓ Carrier-Paid Cost Our service is paid by the carrier — not you.
✓ Rollover-Ready Works with 401(k), 403(b), IRA, 457(b), and TSP accounts.
Is an FIA Right for You?
An FIA tends to be the right fit if any of the following describe your situation:
✓ You are 5–15 years from retirement and want protection without giving up growth.
✓ You have an old 401(k), 403(b), IRA, TSP, or 457(b) sitting at a former employer.
✓ You lost money in the 2020 or 2022 market drops and don't want that to happen again.
✓ You want a guaranteed income stream in retirement — not just a balance you might outlive.
✓ You're a teacher, government employee, nurse, or first responder with a pension gap to fill.
✓ You've heard about FIAs but want an independent advisor — not a salesperson — to walk you through it.
Roll Over Your Retirement Account — And Get a Bonus
Up to 22% Enrollment Bonus on Your Balance
If you have an old 401(k), 403(b), IRA, 457(b), or TSP — you may be eligible for an enrollment bonus of up to 22% added to your rollover balance at contract issue. Zero market risk. Zero fees. Principal guaranteed.
ELIGIBLE ACCOUNTS: 401(k) | 403(b) | Traditional IRA | 457(b) | TSP
How the Process Works — Start to Finish
1
Book a Free Consultation
15–30 minutes on Zoom or phone. No pressure, no commitment.
2
Get Your Custom FIA Analysis
We compare 70+ carriers to find the best terms for your situation.
3
Fund Your FIA
Rollover or transfer your existing account. Process takes 2–4 weeks.
Why Work With Jeung Agency?
Most advisors work for one company and sell one product. We work for you.
✓ Independent — no quotas, no conflicts of interest
✓ Access to 70+ A+ rated carriers — we find the best deal, not the easiest one
✓ 25+ years of experience including a background at Merrill Lynch
✓ 5-Star Google rated — hundreds of clients served
✓ Licensed in all 50 states — virtual appointments available nationwide
✓ Free consultations — Zoom or phone, zero obligation