Your fixed index annuity (FIA) or fixed index universal life (FIUL) insurance policy offers you multiple allocation options. (Each allocation combines an index and crediting method.) The allocation(s) you choose will determine the amount of interest that is credited to your policy or contract.
Based on your answers about how markets, volatility, and interest rates might react over the next year, you’ll see allocations to consider that are designed to perform under these conditions. Then you can change your answers, and see how the suggested allocations change.
This educational tool is not meant to be a substitute for working with a financial professional. But as first step, it could help you see how allocation options could perform differently from each other in a variety of market conditions. As you look at the allocations to consider, it's important to remember that, although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the contract or policy.