Insurance... So you can sleep at night
      Fixed Index Annuities (FIA) can be a valuable planning vehicle for retirement savings1. They offer the safety and guarantees that you expect along with growth opportunity to help build your retirement savings.  Fixed Index Annuities help provide peace of mind by offering:
         • Tax Deferral
         • Liquidity Options
         • Annuity Payout Options (5-yr, 10-yr, 20-yr, LIFE                      time)
         • Full Accumulation Value at Death
         • Ability to Avoid Probate
         • Fixed Account Option

     Now you can have the best of both worlds; guarantee of premium and the potential of market-linked growth.  Your Principal and newly acquired interest are always insulated from market risk and will continue to grow compounded each year.   Apex Insurance and Financial Services, offers the fixed index annuity concept: a concept designed to help you reach your retirement goals.

     Choosing the right accumulation vehicle for retirement can be difficult. With so many choices, which product will be right for you? On one hand, you want the safety and guarantee of premium and credited gains. On the other hand, most people prefer the potential of higher
returns by being linked to the market—the return potential that a fixed-rate investment cannot offer. This was the decision that retirement savers had in the past—(1) receive the guarantee of premium and a minimum amount of interest or, (2) link oneself to the market with the potential of higher returns, but also accept the downside risk to your premium.

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Our Properitary Indexing Method in a True Market overlay (1998-2008). Learn how this "Ratchet Method of Indexing" out performs other vehicles.

Meet David Leeper.
David, a recently retired engineer, talks about shifting his mindset and his money from risk to safety for his retirement nest egg.

Meet Louise Bridges
Louise, a self-employed healthcare consultant, explains how getting out of the stock market and into indexed annuities has brought her closer to her retirement goals.

In today’s volatile economy, it can be hard to feel balanced while riding the roller coaster stock market. A diversified retirement plan is essential, and indexed annuities can add balance, giving you some peace of mind—no matter what happens on Wall Street. As with other financial products, it’s important to understand the product and its benefits.