Are Fixed Index Annuity Cap Rates Locked In?

Are you worried that the insurance company is going to pull a "bait and switch" and drastically slash your upside potential halfway through your contract?

In this video, Shawn Plummer from The Annuity Expert answers the critical question: Are annuity cap rates locked in? The truth is, it depends! Traditionally, the cap rates on Fixed Index Annuities (FIAs) can change at each annual anniversary. However, Shawn reveals an exciting new trend in the industry: several top-rated carriers are now offering cap rates that are 100% locked in for the entire length of your contract!

Shawn shares exactly which companies (like Athene, Lincoln Financial, and Oceanview) are offering these locked-in rates to give you total predictability. However, he also issues a massive warning: DO NOT fall for the "gotcha" trap of locking your money into new, engineered "mutated" indexes that boast fake, back-tested returns! Shawn explains why you should always stick to the Keep It Simple, Stupid (K.I.S.S.) method using real indices like the S&P 500 and the NASDAQ 100.

📊 Run your own math! Compare the best Fixed Index Annuity rates in the country here:

https://www.annuityexpertadvice.com/annuity-calculator-2/

📞 Want a free, unbiased review to find a locked-in cap rate? Call us for free at: 770-755-1565

⏱️ Video Chapters:

0:00 - Intro: Are annuity cap rates locked in?

0:10 - Traditional FIAs: Annual resets and changing caps

0:24 - The New Trend: Fully locked-in caps for the entire term!

1:06 - The K.I.S.S. Method: Sticking to the S&P 500, NASDAQ, & Dow

1:20 - WARNING: Avoid "mutated" and engineered indexes!

1:56 - Top companies offering locked-in caps (Lincoln, Athene, Oceanview)

2:24 - How to get free help from The Annuity Expert