Fixed vs. Indexed vs. Fixed Indexed Annuities: What’s the Difference?

Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three. Read the text version

 

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Resources:

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References:

“28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/.

“Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026.

Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age.

Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age.

Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/.

“S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026.

“Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia.

“Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you.

 

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