Variable annuities and RILAs: know the boundary.
These products involve investment risk, fees, and complex riders. This page explains how they work and the important limits of what I can offer through this site.
Variable annuities
Your premium goes into subaccounts that invest in securities. The contract value rises and falls with those investments. Optional living-benefit riders may be available for an extra charge, but they do not eliminate underlying investment risk or fees.
- • Principal is not protected from market losses.
- • Fees may include mortality and expense, administrative, subaccount, and rider charges.
- • Surrender charges often apply for several years.
Registered Index-Linked Annuities (RILAs)
RILAs link returns to a market index with a buffer or floor that may limit losses up to a point. They do not eliminate risk entirely; losses can still exceed the buffer, and upside is capped.
- • Losses may be limited but not removed.
- • Terms vary widely by carrier and product.
- • Not a substitute for principal-protected products if you need certainty.
No quote path here
Variable annuity and RILA availability depends on licensing, suitability, and the specific product. If you want to explore these, contact me directly so we can review whether they fit your situation and what I can access.
Call or text 405-261-4033