AG HorizonIndex 2025

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The document is an Owner Acknowledgment for the AG HorizonIndex® 9-Year Option annuity contract from American General Life Insurance Company. It outlines key features of the annuity, including its tax-deferred growth, allocation options among index and fixed interest accounts, withdrawal conditions, income plans available upon annuitization, and potential charges for early withdrawals. The document emphasizes that this product is designed for long-term financial goals and provides details on how interest is credited, market value adjustments, and death benefits.

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What does Suze Orman say about index annuities?

In her 2001 book, The Road to Wealth, Suze Orman tells readers that if you dont want to take risk but still want to play the stock market, a good index annuity might be right for you. In my world, annuities really sell for four things and the acronym is PILL. P stands for principal protection.

Can I get a 7% annuity?

Some annuities do indeed offer a 7% rate guarantee. But theres a catch. That doesnt guarantee the annuitys actual return. Instead, it guarantees the growth of an income account value created by an optional rider.

Which is better, a fixed annuity or an index annuity?

If you worry more about consistent growth than inflation and want a predictable return, a fixed annuity might be the better option for you. However, if you want to make sure that your income stream will be sufficient even with inflation doing who-knows-what, an indexed annuity will likely be the right choice.

What are the pitfalls of indexed annuities?

Its also important to know that you can lose money in an indexed annuity, even one with a minimum interest rate guarantee. This can happen if you withdraw money from your annuity early (before age 59 1/2) or if you surrender the annuity too soon. If you withdraw money too early, you may be hit with a tax penalty.

What is the downside of indexed annuities?

Its possible to lose money with a fixed index annuity, but if you do, its likely because you have withdrawn too much or too early, and as a result, paid withdrawal charges and penalty taxes. If you leave the funds in place, your premium contributions are typically protected from losing value.

What does Dave Ramsey say about indexed annuities?

1:16 14:43 Theres no fee for the fixed index annuities floor. Another reason its called fixed is because ofMoreTheres no fee for the fixed index annuities floor. Another reason its called fixed is because of the underlying floor or minimum guaranteed interest rate however.

Can you lose your principal in an indexed annuity?

Note: You can lose principal in a fixed indexed annuity due to surrender charges if you withdraw assets before the surrender period is up. So if you are considering purchasing one of these types of annuities, you might want to think about whether its a registered or unregistered product.

AG HorizonIndex 2025

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AG HorizonIndex 2025

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What does Suze Orman say about index annuities?

Can I get a 7% annuity?

Which is better, a fixed annuity or an index annuity?

What are the pitfalls of indexed annuities?

What is the downside of indexed annuities?

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