Shield Level Annuities

An index-linked annuity that helps balance market opportunity with built-in protection — because securing your future should never be left to chance.

What Is a Shield Level Annuity?

Shield Level Annuities are index-linked annuities — which means they don’t directly invest in the market, but instead track one or more market indices to offer growth potential while protecting your retirement savings from downside risk.

These annuities are designed to be flexible, personalized, and structured to protect a portion of your assets while still participating in market upswings.

Why Choose a Shield Level Annuity?

Protection in Volatile Markets

A Shield Level Annuity provides a cushion against market losses. When markets dip, your downside is buffered — helping you stay confident in your long-term plan.

Growth Opportunities

Track leading indices like the S&P 500®, Nasdaq-100®, or Russell 2000® and benefit from market upswings up to a set limit, all while enjoying built-in protection.

No Annual Fees

Shield Level Annuities are structured without annual contract fees, which means more of your money stays working for your future.

See How It Works

With a Shield Level Annuity, you tailor your experience by answering four key questions:

1. Which Index Do You Want to Track?
Choose from market benchmarks like the S&P 500®, Nasdaq-100®, Russell 2000®, or MSCI EAFE for international exposure.

2. What Level of Protection Do You Want?
Select a “Shield Rate” to help insulate your assets from market downturns. Different protection levels are available depending on your comfort with risk.

3. How Do You Want to Grow?
Choose from Cap Rate, Step Rate, or Step Rate Edge crediting strategies. Prefer predictability? A Fixed Account is also available.

4. How Long Do You Want to Invest?
Choose a term that works for you — from 1 to 6 years. When the term ends, you can reset or adjust your options to align with your retirement goals.