American Life Fixed Index Annuity – Growth Potential With Principal Protection
Flexible Growth With Protection in Uncertain Markets
At Diversified Insurance Brokers, we help individuals plan for retirement with annuities that deliver guaranteed protection and long-term growth. The American Life Fixed Index Annuity (FIA), issued by American Life & Security Corp., is built for individuals who want the opportunity to grow their savings through market-linked strategies—without risking principal loss.
This annuity provides a powerful mix of protection, performance, and customization to support your unique retirement goals.
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Diversified Index Crediting Strategies
This FIA gives you access to multiple crediting strategies, including:
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S&P 500® ESG Index – for those seeking sustainability-aligned performance
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Goldman Sachs Xenith Index – built for consistent returns using daily risk management
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Janus SG Guidance Index – designed to capture market growth with downside control
Each strategy offers a unique combination of growth potential and volatility control.
Customizable Terms and Liquidity
Policyholders can withdraw up to 10% of their contract value annually after the first contract year without penalty. The annuity also includes options for guaranteed fixed interest and tailored contract terms, giving you added control over how your annuity performs.
Principal Protection With Tax-Deferred Growth
All growth in this annuity is tax-deferred, allowing your money to compound faster over time. Your principal is never at risk due to market declines, and your gains are locked in each contract year based on your selected crediting method.
Is the American Life FIA Right for You?
This annuity is a smart choice for:
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Individuals nearing retirement who want to protect their savings
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Investors seeking index-linked growth without market losses
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Anyone looking for multiple crediting strategies and contract flexibility
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Families interested in leaving a protected legacy to beneficiaries
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: American Life Fixed Index Annuity
What is the American Life Fixed Index Annuity?
The American Life Fixed Index Annuity is a retirement savings vehicle that combines principal protection with the potential for index-linked or fixed interest crediting, and offers flexibility to convert savings into retirement income or withdraw under contract terms.
How does interest or growth crediting work?
You can choose between fixed-interest crediting or one (or more) indexed crediting strategies tied to market indices. If you select an index strategy, interest credits are calculated based on caps, participation rates, or spreads. Your principal is not directly invested in the market — only crediting is linked to index performance.
Is my principal protected from market downturns?
Yes. Because you are not directly invested in equities, the accumulation value (principal plus credited interest) is protected from market losses. Negative index performance may result in zero credited interest, but will not reduce your existing value, assuming no withdrawals or other contract penalties apply.
When can I access my money, or convert to income?
You may start withdrawals, or convert the annuity to income (or begin payout distributions), according to the terms of the contract. Many fixed index annuities also allow periodic free withdrawals (after a waiting period) or provide optional income riders for lifetime income.
Are there surrender charges or liquidity constraints?
Yes. Early withdrawals (beyond any free-withdrawal allowance) or full surrender during the surrender period may trigger surrender charges or reduce credited interest and benefits. That means liquidity is limited in early years — plan accordingly.
Does this annuity offer lifetime income or payout options?
Yes, in many cases. Optional riders or built-in payout provisions may allow you to convert your accumulation value or future gains into a guaranteed income stream — potentially for life — depending on the version you choose.
How are earnings and distributions taxed?
Earnings grow tax-deferred while funds remain in the contract. When you take withdrawals or begin receiving income payments, taxable portions are generally taxed as ordinary income. Withdrawals before age 59½ may also be subject to additional tax penalties under IRS rules.
Who might benefit from the American Life Fixed Index Annuity?
This annuity may suit savers seeking principal protection, potential for market-linked growth without direct investment risk, tax-deferred accumulation, and eventual income flexibility. It tends to align well for moderate-to-long-term horizons and individuals with a conservative or balanced risk tolerance.
What should I review carefully before buying?
Before purchasing, check the surrender charge schedule, withdrawal allowances, crediting method (fixed vs indexed), rider costs (if choosing income riders), liquidity constraints, and whether payout or income features align with your retirement timeline and financial goals.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
