10-Year FIA with Enhanced Death Benefit
Offer clients guaranteed legacy growth—predictable, protected, and paid out as a lump sum, backed by an A++ rated carrier.
Overview
Why offer this FIA?
A 10-year Fixed Index Annuity designed for legacy planning: market protection paired with an optional enhanced death benefit that grows at a guaranteed rate and pays out as a lump sum.
Product snapshot
This product provides guaranteed 8% annual increases to the enhanced death benefit for up to 13 years—ideal for clients who value predictable legacy growth with downside protection.
- 8% simple interest roll-up for 13 years (EDB rider)
- Lump sum death benefit payout
- A++ rated carrier
- 10% S&P 500 cap
- 0.40% annual fee (locked in)
- Available to age 75
Ideal client fit
Best for clients prioritizing legacy outcomes and predictability.
For Agents
Key agent benefits
Clear story, strong positioning, and competitive comp—built for legacy planning conversations.
6.5% Commission
Strong comp for a legacy-focused solution.
8% EDB Roll-Up
Guaranteed simple interest growth on the enhanced death benefit.
Lump Sum Payout
Straightforward legacy delivery for beneficiaries.
10% S&P 500 Cap
Index-based upside with structured limits.
A++ Rated Carrier
Top-tier carrier strength story.
0.40% Fee Locked In
Predictable ongoing rider cost.
Resources
Agent resources
Download product info, rates, and financials.
Ready to offer the FIA with EDB?
Start contracting today—get access to one of the strongest death benefit rider stories in the market and add a high-clarity legacy solution to your toolbox.
Fastest next step:
✅ Get ContractedTip: bookmark this page and keep the resources handy for quoting + client conversations.