Equity-Indexed Annuities Dedicated to Delivering Results

Equity-Indexed Annuities Lawyers Based in New York

Providing Legal Financial Services to Clients Nationwide

An equity-indexed annuity is a non-flexible annuity with interest rates that are connected to index returns. The growth rate of the investment is basically set by the year and it is suitable for most conservative investors who are seeking higher return opportunities. If you are an equity-indexed annuity investor and you find that your future is looking bleak, seek legal insights from our team at Weltz Law.

Our experienced attorneys will advise you on the available options that you can take to try and turn things around for your financial situation. Schedule your consultation by calling (877) 905-7671.

How Do Equity-Indexed Annuities Work?

An annuity is typically an investment contract signed with an insurance company. It is most commonly used for the purpose of supporting retirement with periodic payouts from the insurance company from investment returns. There is an accumulation period when the paid premiums rake up interests according to the annuity contract terms. This is followed by a payout period when investors receive payments from the premiums paid.

As for equity-indexed annuities, part of the earned interest rates is a guaranteed minimum which usually ranges from 1 to 3% that gets paid on 90% of paid premiums. The other portion is connected to the specified equities index.

Investing in Equity-Indexed Annuities

Annuities used to only be available in just two basic varieties:

  • One was fixed annuities that offered modest returns.
  • The other was a variable type whose returns depend on how well the related stocks performed.

Today, equity-index annuities promise guaranteed returns with many contracts implementing the guaranteed interest rates to a certain percentage of paid premiums. The other portion of returns refers to market-based returns that may be lower than the actual percentage gain.

Disadvantages of Equity-Indexed Annuities

Equity-indexed annuity investment does come with its own disadvantages and they are explained in detail below:

  • Your contract gains have a limit and will not reflect the increase in stock value in its entirety.
  • High expenses and fees involved may lower your gains.
  • Lack of transparency about the total fees.
  • High sales commissions.
  • The limit in the rising value may be lowered in the near future. Additionally, your gain percentage in the index value may also lessen.
  • Early withdrawal incurs steep surrender charges.
  • A fixed annuity offers guaranteed payouts which only change when stated in the contract.

Meet With One of Our Attorneys to Discuss Your Equity-Indexed Annuity Case

If you are an equity-indexed annuity investor and believe that you have been blinded by high promises of huge returns by your investment consultant, consult with our attorneys at Weltz Law. We can advise you accordingly to review if there had been a suppression of crucial data which led you to make a decision on impulse. Our 30 years of combined experience can help you proceed with legal procedures should you feel there ought to be a compensation of some sort to sustain your retirement.

When you engage our services, you can be assured that our attorneys will advocate tirelessly for any compensation you may be owed for your financial losses. You can call Weltz Law at (877) 905-7671, or simply fill out our online form to schedule a meeting regarding your case.


Experienced & Effective
  • 30+ Years of Collective Experience

    Our attorneys have over 30 years of collective experience representing clients in all aspects of securities and commercial litigation.

  • Contingency Fees for Our Securities Law Clients

    We will not receive a penny in attorney's fees unless a positive recovery is obtained in your case. Contact us to see if you're eligible.

  • Free Consultations

    We will assess the merits of your claims and help you decide on the next step.

  • Litigated Claims in Excess of $50 Million for Our Clients

    Our firm is prepared to fight for you to seek maximum compensation.


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