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Choose a current fixed indexed annuity, enter an explicit hypothetical annual S&P 500 change, and inspect every modeled index-linked credit and strategy fee. The example allocates the full hypothetical premium to one current annual point-to-point cap strategy.
Selected product
Checking current information
Named from current FIA data checked for the matching annuity type
Data date
Checking source date
The verified date supplied with the current data
Scope
Accumulation only
No invented income base or lifetime payout
No product, rate, projection, permalink, or embed is shown until the requested inputs and current source information are verified.
The exact result link appears only after the requested inputs and current source information are verified.
Copy-paste embed code appears only after the exact result is verified; no default inputs are substituted.
Prepared examples
Each example shows a current source-backed result, with the annual S&P 500 change plainly labeled as an explicit hypothetical scenario input.
A five-year fixed indexed annuity accumulation example using an explicit hypothetical -10% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical -5% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 0% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 1% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 2% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 3% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 4% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 6% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 8% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 10% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 12% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationA five-year fixed indexed annuity accumulation example using an explicit hypothetical 14% annual S&P 500 change and current annual point-to-point crediting and fee terms checked for the matching annuity type. The five-year limit matches the sourced Growth Accelerator period; no post-period strategy is assumed.
Open illustrationMethodology
Source. The selected FIA product, carrier, AM Best rating, annual S&P 500 one-year point-to-point cap or verified Uncapped status, and strategy fee come from CANNEX product data delivered through AdvisorWorld. Premium, state, horizon, and annual S&P 500 change are explicit hypothetical inputs.
Updates and source date. Product information is checked for updates every 10 minutes. The visible date comes only from the date verified by the source; the time you visit the page is never substituted.
Formula. The full hypothetical premium is allocated to the selected strategy. Each year, index-linked credit is the positive hypothetical S&P 500 change, subject to that strategy's current cap or verified Uncapped status. The current strategy fee is applied to starting account value, then deducted after the modeled credit. Both current terms are held constant only to demonstrate mechanics; renewal terms can change.
Scope. Negative index changes receive no index-linked credit in this simplified mechanic, but a strategy fee can reduce account value. The supported horizon stops at five years, matching the five-year period shown for the Growth Accelerator strategy; no strategy change after that period is assumed. The example also excludes income riders, withdrawals, surrender values, taxes, other allocations, bonuses, and features not included in the current product information.
How to cite this tool
“AnnuityRatesHQ FIA Product Illustration, current CANNEX fixed indexed annuity cap and strategy-fee data via AdvisorWorld. Include the selected carrier, product, current cap or verified Uncapped status, verified source date, premium, state, horizon, and explicit hypothetical annual S&P 500 change shown in the linked result.”
Cite and link to the generated result permalink so readers can reopen the same product and explicit hypothetical inputs. Describe the page as an educational cap-mechanics example—not a carrier-approved illustration or forecast. Never copy a figure until the live result has finished loading.
Review data and use termsNo. This is an educational mechanics example, not a carrier-approved illustration, quote, forecast, recommendation, or statement of future performance. Confirm current product terms and state availability before relying on any annuity information.
No. A cap is the maximum index-linked credit under the named strategy for its crediting period. It is not a yield, participation rate, guaranteed return, or forecast. The current cap can change at renewal.
It is an explicit scenario input supplied by the visitor or included in a prepared example. It is not sourced from CANNEX, AdvisorWorld, AnnuityRatesHQ, or a market forecast. The tool repeats it only to make the cap mechanics easy to inspect.
This simplified one-year cap mechanic applies no negative index-linked credit, but a current strategy fee can still reduce the hypothetical account value. Surrender charges, withdrawals, taxes, and other allocations are outside this tool.
This tool is accumulation-only. It does not infer a GLWB rider, income base, payout factor, or annual lifetime income from a product name, cap, premium, or generic rider label. Those figures require exact source-backed income mechanics.
Current values come from CANNEX data delivered through AdvisorWorld. A visible as-of date appears only when the source supplies a verified date; the time you visit the page is never substituted.
Continue researching
Review current caps and participation rates without mixing their mechanics.
Open resourceKeep carrier strength, product terms, and goals in the same comparison.
Open resourceSee current cohorts with rate types kept separate.
Open resourceUnderstand crediting, renewal terms, liquidity, and guarantees.
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