Limited Time: Up to 12% Fixed or 15.25% S&P 500 Cap
Limited Time: Up to 12% Fixed or 15.25% S&P 500 Cap
Act Now! Act Now!
Act Now! Act Now!

Navigate Market Volatility in Retirement with Fixed Indexed Annuities

Are you worried about market ups and downs affecting your retirement savings? Fixed Indexed Annuities (FIAs) might be the solution you’re looking for. Here’s how FIAs can help you find peace of mind in a volatile market.

The Retirement Challenge: Balancing Growth and Security

Retirees often face a dilemma:

  • Need for continued investment growth
  • Desire to protect savings from market downturns
  • Requirement for stable, predictable income

FIAs offer a unique combination of benefits that address these concerns.

How FIAs Shield You from Market Volatility

  1. Guaranteed Principal Protection: Your initial investment is safe from market losses.
  2. Market-Linked Growth: Benefit from index performance without direct market exposure.
  3. Lifetime Income Options: Optional riders provide steady, guaranteed income.
  4. Tax-Deferred Growth: Enhance your savings’ growth potential.

Key Advantages of FIAs in Volatile Markets

1. Downside Protection with Upside Potential

  • Your principal is protected during market downturns
  • Participate in a portion of market gains when indexes perform well

2. Predictable Income Streams

  • Optional income riders ensure steady payments for life
  • Maintain your standard of living regardless of market conditions

3. Enhanced Growth Through Tax Deferral

  • Earnings grow tax-deferred until withdrawal
  • Potentially faster compound growth compared to taxable investments

FIAs vs. Traditional Investments in Volatile Markets

FeatureFIAsTraditional Investments
Principal ProtectionGuaranteedNot guaranteed
Market ParticipationLimited UpsideFull upside and downside
Income GuaranteesAvailableNot typically available
Tax TreatmentTax-deferred growthVaries by investment type

Is a FIA Right for You?

Consider a FIA if you:

  • Are nearing or in retirement
  • Want to protect your principal while still growing your savings
  • Seek guaranteed lifetime income
  • Are concerned about market volatility affecting your retirement plans


Fixed Indexed Annuities offer a balanced approach to retirement investing, providing protection against market volatility while still allowing for growth. By incorporating FIAs into your retirement savings strategy, you can better navigate market fluctuations which could provide you with greater confidence and peace of mind.

Want to learn how FIAs might fit into your retirement savings plan? Contact a financial professional today.


Oceanview’s Single Premium Fixed Indexed Annuity Contract [ICC19 OLA FIA], product riders and state variations are issued by Oceanview Life and Annuity Company, Denver, CO (in CA d/b/a Oceanview Life and Annuity Insurance Company). Product features, limitations and availability may vary. Products not available in all states. Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company. 

This material is a general description intended for public use. You should consult with your agent or other financial professional to determine what, if any, action may be appropriate for you. As such, nothing in this document should be read as investment advice. You should also reach out to your agent if you have any questions about our Company’s products or their features. 

ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. This brochure contains highlights only — for a full explanation of these annuities, please refer to your product disclosure which along with your contract, provides more detailed product information, including all charges or limitations.