An FIA Where Participation Can Improve Later
Most fixed indexed annuities lock in the crediting opportunity available at issue. This design works differently — higher participation can apply later, helping earlier gains benefit over time.
- Bonus12% premium bonus to help jump-start accumulation
- Starting Point 50% participation on the highlighted strategy
- ProtectionHigh watermark Protection Feature
- Positioning Built for advisors focused on accumulation
See how this accumulation-focused FIA may fit a client case. Submit the basics and an EverVest sales manager will follow up.
How This FIA Works
Keep the story simple. This is not about overwhelming advisors with mechanics. It is about showing a structure that may offer stronger long-term accumulation potential than traditional locked-in designs.
Start Strong
Clients begin with an 12% premium bonus, helping put more dollars to work from day one.
Participate
The highlighted strategy starts with 50% participation, giving agents a clean way to position accumulation.
Improve Later
If participation moves higher later, the structure can apply that improvement retroactively to prior gains within the segment.
Protect Progress
When extending, 90% of the highest anniversary value is protected, creating a compelling protection story for clients.
Traditional Designs vs. This Structure
Many FIAs lock the opportunity available at issue. Athos gives advisors a different way to talk about accumulation, especially when they are concerned about future caps or participation not keeping up.
Traditional FIA Story
- Caps or participation are often judged at issue
- Less room for future improvement messaging
- Simple to explain, but can feel limited
- Harder to create a “what if things improve later?” conversation
Athos Extendable Story
- Participation can move higher later
- Higher participation may apply retroactively
- Built for advisors focused on accumulation
- Stronger way to discuss long-term opportunity with downside discipline
What Makes This Product Different
Premium Bonus
12% premium bonus can help position the product quickly for accumulation-minded clients.
Retroactive Participation
A rare design feature that gives agents a true differentiator instead of another “same old FIA” story.
High Watermark Protection
When extending, 90% of the highest anniversary value is protected, helping support the client conversation.
Daily Visibility
Daily account value visibility creates a more modern experience than the typical once-a-year mindset.
Accumulation Focus
Designed for advisors looking to position accumulation potential, not just a plain vanilla annual reset alternative.
EverVest Support
Need help positioning the case? EverVest can assist with illustrations, talking points, and sales strategy.
Run an Athos Illustration for Your Next Case
Use a real client age, premium, and state to see whether this structure deserves a place in your annuity lineup.