Select Fixed Index
Annuity
Participate in the equity market without principal risk.
Protection and growth.
With a Knighthead Safe Harbour™ Select Fixed Index Annuity (SFIA), you can take advantage of market gains while staying completely protected from losses. With a SFIA, your money isn’t invested directly in the market, but earns interest based on your chosen indices’ performances.
A KNIGHTHEAD SAFE HARBOUR™ SFIA IS A GOOD FIT IF YOU ARE:
- Wanting to benefit from market gains
- Seeking protection from market losses
- Preserving capital in unpredictable markets
- Estate planning and securing wealth for future generations
How SFIAs work.
With a Knighthead Safe Harbour™ SFIA, your investment return is linked to the performance of the equity markets without downside risk. The value of your Knighthead Safe Harbour™ SFIA is based on the annual performance of the index, such as the S&P 500®, MSCI® EM, or MSCI® EAFE4, subject to a highly attractive cap. You also have the ability to reallocate your investment every year among available indices or a fixed rate account.
Determine Your
Investment
Choose Your Indices
and Duration
Enjoy Your
Returns
Benefits of a Select Fixed Index Annuity.
The Knighthead Safe Harbour™ SFIA gives you the best of both worlds; you can participate in market upside, without any risk to your principal.
Competitive Rate
Enjoy a competitive rate of return, while also benefiting from market gains.
Full Principal Protection
Participate in the stock market while enjoying principal protection and no downside risk.
Liquidity
Access to up to 10% of your principal annually without penalty.
Annuity Payout Options
You may choose to annuitize the Contract Value into an available Annuity Payment at the end of the Initial Guaranteed Term or any successive term.
Choose Your Beneficiary
Take full control on determining the beneficiary or beneficiaries of this product.
Reallocate Across Indices Yearly
You have the ability to reallocate annually between 3 available indices and a fixed account.
Death Benefit
Upon the death of the annuitant, designated beneficiaries to the contract will receive 101% of the Contract Value free of any Withdrawal Charges or Market Value Adjustment (MVA).