Choose from three crediting strategies.
Prosperity Fixed Indexed Annuity (FIA)
Plan Ahead with Confidence and Flexibility
What is a Prosperity Fixed Indexed Annuity?
Our Prosperity Fixed Indexed Annuity, issued by Manhattan Trust I.I., offers
a balance of growth potential and principal
protection. It provides interest crediting linked to the
performance of a market index, such as the S&P 500®, while
helping safeguard your principal from market losses.
How it Works
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The Power of Principle Protection.
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Enjoy growth potential and flexible income options.
Our Index-Linked Crediting Strategies
| Type | Details | Description |
|---|---|---|
| Index-Linked | Point-to-Point with Cap Rate | This strategy credits interest based on the returns of the S&P 500, up to a specified maximum, or cap rate. For example, if the cap is 6% and the index grows by 4%, we will credit you 4% interest. On the other hand, if the index grows by 7%, we would only credit you 6% interest. |
| Index-Linked | Point-to-Point with Participation Rate | This strategy credits interest based on a participation rate, which is a percentage of the S&P 500 index return. For example, if the participation rate is 40%, and the index return is 10%, we will credit a 4% interest rate (40% of 10%). |
| Steady Growth | Fixed Interest Rate | Our annuity offers a fixed interest strategy that provides guaranteed interest independent of the equity market. In times of market volatility, you can rest assured that you are still earning interest at a guaranteed rate. |
Note: illustrative rates only. Not indicative of current or guaranteed rates.
FIA Benefits
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Index-Linked Growth
Your FIA allows you to share in some market gains by earning interest based on the performance of an index like the S&P 500®.
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Flexibility
Our FIA offers three crediting strategies for you to earn interest based on a formula linked to changes in the S&P 500®. Each year you will have the option to reallocate your funds among the three strategies.
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Principal Protection
While your annuity may grow with positive market performance, your funds aren’t directly invested in the stock market or S&P 500®. This means your annuity is designed to provide protection from market volatility.
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Coverage for all Life Stages
Available to individuals ages 0–85, our Fixed Indexed Annuity is designed to support your financial goals at any life stage.
Our Power of Principal Protection
This is a hypothetical example and does not illustrate the future results of either the market or the Manhattan Trust, I.I. Prosperity FIA. This example assumes no partial or full surrenders and that all funds are allocated to the Point-to-Point with Cap Strategy at a cap of 10%. Actual and future cap rates may be above or below this amount. This example is for illustrative purposes only and does not represent the performance of any specific product or investment.
FIA Clientele
What kind of clients purchase a FIA?
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Strategic Investors
For clients seeking a strategic mix of stability and market-driven returns.
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Parents & Minors
For parents looking to invest for their child’s future whether it be for his/her education or future savings.
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For Every Financial Journey
With an average ownership age of 59, our FIA supports retirement goals, wealth building, and future planning at any stage of life.
Policies are issued through individual Subtrusts within a Master Trust structure, providing a secure structure for the benefit of the designated beneficiaries.
Want to learn more about our Prosperity Fixed Indexed Annuity?
Explore features, benefits, and important details in our brochure.
Learn More