Ibexis FIA Plus Fixed Indexed Annuity – Capture Growth While Managing Risk
At Diversified Insurance Brokers, we specialize in annuity solutions designed to help you grow and preserve wealth—especially in uncertain market environments. One standout option for accumulation-focused investors is the Ibexis FIA Plus Fixed Indexed Annuity, issued by Ibexis Insurance Company.
This product delivers a unique blend of flexibility, market-driven performance, and downside protection. Whether you’re nearing retirement or looking to grow assets without market exposure, FIA Plus offers a forward-thinking strategy tailored to your risk tolerance and income goals.
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A Flexible and Powerful Growth Strategy
The Ibexis FIA Plus annuity offers one of the most dynamic accumulation designs available today. The standout feature is the Annual Lock, which allows you to capture gains each year and protect them moving forward—helping you build momentum even during periods of market volatility.
It also gives you control over your risk level through a variety of floor options:
Choose from 0%, -5%, -10%, or -15%, which means you can adjust how much downside you’re willing to tolerate in exchange for greater upside potential.
The product also includes:
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Access to strong index crediting strategies tied to the S&P 500, HSBC AI Global Tactical, and BofA U.S. Strength Fast Convergence Index
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A premium bonus rider that enhances the account value, with optional recapture provisions
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A fixed and declared rate strategy for more conservative accumulation
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Penalty-free withdrawals of up to 10% per year starting in the second contract year
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Waivers for terminal illness, nursing home confinement, and Required Minimum Distributions
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Death benefit options and spousal continuation provisions for estate protection
Why Choose Ibexis?
Ibexis Life & Annuity Insurance Company is backed by Investcorp, bringing financial strength and stability to this modern annuity design. The FIA Plus is particularly well-suited for individuals who want to maintain control over risk while pursuing meaningful growth—without putting principal at risk from market losses.
Get Expert Guidance from Diversified Insurance Brokers
Choosing the right annuity can be overwhelming—but that’s why we’re here. At Diversified Insurance Brokers, we work with over 75 top-rated carriers to help you compare options, clarify benefits, and create a retirement strategy that fits your goals.
If you’re interested in the Ibexis FIA Plus or want to learn more about your options, we’re ready to help you create a personalized plan that grows and protects your wealth.
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: Ibexis FIA Plus Annuity
What is the Ibexis FIA Plus Annuity?
The Ibexis FIA Plus is a fixed indexed annuity designed for long-term accumulation with principal protection and multiple index crediting options. It offers market-linked growth potential without exposing your money to market losses.
How does the FIA Plus annuity earn interest?
Interest is credited based on the performance of selected market indices, using crediting methods such as participation rates, caps, or spreads. If the chosen index performs well, your interest credit may increase; if it performs poorly, your principal remains protected.
Does the FIA Plus include a fixed interest option?
Yes. In addition to index-linked options, the Ibexis FIA Plus offers a fixed interest strategy that earns a guaranteed rate for a specific term.
What liquidity features are available?
The FIA Plus typically includes annual penalty-free withdrawals up to a certain percentage of the account value, provided the contract has met its required holding period. Additional withdrawals may be subject to surrender charges.
Is lifetime income available with this annuity?
While the FIA Plus is primarily designed for accumulation, Ibexis may offer optional riders that provide guaranteed lifetime income for an additional cost, depending on state availability.
Is my principal protected from market declines?
Yes. The FIA Plus is a fixed indexed annuity, meaning your principal and credited interest are protected from negative market performance. Market losses cannot reduce your account value.
What is the surrender charge period?
The Ibexis FIA Plus annuity includes a surrender schedule that applies for several years. Any withdrawals above the penalty-free amount during this period may face surrender charges and, if applicable, a market value adjustment.
Who is the FIA Plus annuity best suited for?
This annuity may be a good fit for individuals who want principal protection, long-term accumulation potential, and flexible crediting strategies without direct market exposure.
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.
