At Diversified Insurance Brokers, we specialize in helping clients grow and protect retirement assets using advanced annuity strategies built for today’s volatile markets. One of the most compelling accumulation-focused products available right now is the Ibexis FIA Plus Fixed Indexed Annuity, issued by Ibexis Insurance Company. Designed for investors who want market-linked upside without direct market exposure, this annuity blends flexibility, customization, and principal protection into one modern solution. Whether you are five years from retirement or simply repositioning conservative assets, the Ibexis FIA Plus offers an intelligent alternative to traditional fixed products, CDs, or bond-heavy portfolios. In a rising rate environment where volatility remains elevated, many retirees are seeking safer growth strategies. If you’re comparing options, you may also want to review our current fixed annuity rates and current bonus annuity rates to see how today’s products stack up.

The Ibexis FIA Plus stands out because it is engineered for accumulation first. While many fixed indexed annuities emphasize income riders, this design prioritizes flexible growth potential. The core advantage is its Annual Lock feature, which allows you to capture gains each year and permanently lock them in. Once credited, those gains can never be lost due to market downturns. This creates a stair-step growth pattern—allowing you to participate in positive index performance while maintaining a contractual floor against severe losses. For investors who lived through 2000, 2008, or 2020 and want to avoid another dramatic drawdown, this structure offers psychological and financial stability.

One of the defining characteristics of the Ibexis FIA Plus is its customizable downside protection. Unlike traditional fixed indexed annuities that offer only a 0% floor, this product allows you to choose from multiple floor levels: 0%, -5%, -10%, or -15%. This means you can strategically accept a limited degree of downside exposure in exchange for potentially higher caps or participation rates. For conservative investors, the 0% floor preserves principal from index losses entirely. For growth-oriented investors willing to tolerate a modest buffer, selecting a -5% or -10% floor may unlock stronger upside potential. This flexibility allows the product to adapt to your specific risk tolerance rather than forcing a one-size-fits-all structure.

The index lineup further strengthens the growth case. The FIA Plus offers crediting strategies tied to major and tactical indices, including the S&P 500, HSBC AI Global Tactical Index, and the BofA U.S. Strength Fast Convergence Index. These indices are designed to balance equity exposure with volatility controls, offering disciplined performance frameworks that aim to smooth extreme swings. Because indexed annuities do not invest directly in the market, your account is not subject to daily losses. Instead, performance is measured over a defined term and credited according to the strategy you select. If the index posts a gain within the contract rules, you receive credited interest. If it declines beyond your selected floor, the contract applies the protection level you chose.

Another attractive feature is the optional premium bonus rider. In competitive rate environments, bonus structures can meaningfully enhance early contract value. While bonuses may include recapture provisions during the surrender period, they can significantly accelerate accumulation when used appropriately. If you’re evaluating bonus structures across carriers, you may also want to compare products such as the Athene Agility 10, the American Equity AssetShield 10, or the North American PrimePath Pro to see how crediting methods and rider options differ.

Liquidity is another key consideration. Beginning in year two, the Ibexis FIA Plus allows penalty-free withdrawals of up to 10% annually. In addition, the contract includes waivers for terminal illness, nursing home confinement, and Required Minimum Distributions. This ensures that your money is not locked away in the event of unforeseen health circumstances. For retirees rolling over IRA funds, RMD-friendly provisions are especially important to maintain tax compliance without incurring surrender charges.

For clients focused primarily on safe accumulation without income riders, the FIA Plus can serve as a volatility buffer within a diversified retirement portfolio. Many investors today are shifting a portion of bond allocations or low-yield savings accounts into fixed indexed annuities because they provide principal protection with higher upside ceilings than traditional fixed products. If your goal is guaranteed lifetime income instead of accumulation, you may wish to explore alternatives like the Delaware Life DualTrack Income Annuity or other GLWB-based designs.

Ibexis Life & Annuity Insurance Company is backed by Investcorp, providing institutional financial backing and operational support. Financial strength matters when purchasing a long-term annuity contract. While rates and features are important, the claims-paying ability of the issuing carrier should always be evaluated. At Diversified Insurance Brokers, we work with over 75 top-rated carriers, allowing you to compare not only product features but also financial ratings, surrender schedules, rider costs, and long-term stability.

When evaluating whether the Ibexis FIA Plus fits into your retirement strategy, consider your timeline. Fixed indexed annuities typically work best for funds you do not anticipate needing for several years. The surrender period is the tradeoff for enhanced caps, bonuses, or multipliers. If you are within a short liquidity window, other options such as multi-year guaranteed annuities (MYGAs) may be more appropriate. You can review additional comparisons on our site, including the Midland National RetireVantage and the F&G Safe Income Advantage.

Ultimately, the Ibexis FIA Plus is designed for disciplined growth with customizable protection. It offers annual locking gains, adjustable floors, diversified index exposure, liquidity provisions, and optional bonus enhancements—all within a tax-deferred framework. For investors seeking balance between safety and performance, it represents one of the more flexible accumulation annuities currently available.

If you’re considering the Ibexis FIA Plus—or comparing it against other fixed indexed annuities—our team can help you evaluate caps, participation rates, surrender schedules, and long-term income implications. Submit the quote request form above to receive a personalized annuity comparison tailored to your retirement timeline and financial goals.