Allocation Insights Tool

Explore how different index allocations perform under various market scenarios

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.

For more product details – including available index allocations – see our pages on fixed index annuities and fixed index universal life insurance.

The indexes available within the contract or policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. 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.

No single index allocation option will be most effective in all market environments. Index allocation options may be subject to a cap and/or participation rate.