Principal Protection
Your initial investment is guaranteed never to decrease due to market downturns. Sleep soundly knowing your nest egg is secure.
Fixed Index Accounts
Protect Your Retirement.Grow Your Wealth.
Fixed Index Accounts offer market-linked growth potential with zero risk of market loss. Your principal is protected while you participate in the upside — guided by a licensed advisor with 20+ years in life, health & annuities.
Trusted by 2,400+ Americans
protecting their retirement savings
0%Market Loss Risk
$385BFIA Sales (2025)
100%Principal Protected
20+Years Advising
Why Choose FIAs
The Security of a Vault.
The Security of a Vault.
The Growth of the Market.
Everything a Fixed Index Account does, it does to keep your retirement both safe and growing.
Market-Linked Growth
Participate in market upside through index-linked crediting methods. Capture gains when the market rises.
Tax-Deferred Growth
Earnings grow tax-deferred until withdrawal, allowing your money to compound faster over time.
Guaranteed Lifetime Income
Optional riders provide a predictable income stream you can never outlive, regardless of market conditions.
Gains Lock In Annually
Interest credited to your account is locked in each year and can never be taken away by future market declines.
Legacy Protection
Built-in death benefits ensure your remaining contract value passes directly to your beneficiaries.
How It Works
A Simple Path to Financial Security
Choose Your Index
Select from popular market indices like the S&P 500, Nasdaq-100, or others. Your account's growth potential is linked to the performance of your chosen index.
Your Principal Is Protected
Regardless of market performance, your initial investment is guaranteed by the insurance company. If the index drops, your account value stays the same — never decreases.
Capture Market Gains
When your chosen index rises, you earn interest based on that growth, subject to a cap rate or participation rate. Gains are credited and locked in annually.
Receive Guaranteed Income
When you're ready to retire, convert your accumulated value into a guaranteed lifetime income stream that you can never outlive.
See The Difference
The market's rollercoaster vs. protected growth
A Fixed Index Account trades the market's biggest highs for something powerful: it never goes backward. In down years your value holds; in up years it locks in gains — so you compound from a floor that only rises.
"I could lose my money in the market."Your money isn't invested directly in the market. It's linked to an index, so your value is never credited less than zero when the index falls.
"I won't be able to access my money."Most contracts allow penalty-free withdrawals each year, with added liquidity riders for terminal illness or nursing care.
S&P 500 (hypothetical)
Fixed Index Account
Hypothetical illustration for educational purposes only. Not a prediction or guarantee of any specific product's performance. Actual results depend on index performance, caps and participation rates.
Retirement Calculator
See Your Protected Growth
Slide to model a hypothetical Fixed Index Account. Adjust your amount, time horizon, average annual crediting rate, and an optional premium bonus.
$100,000
15 yrs
6.0%
FIAs credit index-linked interest up to a cap — and never less than 0% in a down year.
Some FIAs add an upfront bonus to your starting value.
Projected value
$239,656
Hypothetical illustration only, assuming a constant annual rate compounded yearly. Actual FIA crediting varies by index, caps and participation rates, and real years include 0% (never negative) periods. Not a prediction or guarantee.
Your Advisor
Two decades of guidance you can actually trust.
Behind every VaultFIA plan is a licensed advisor who has spent 20+ years helping families protect what they've built — across life insurance, health coverage, and annuities. No pressure, no jargon. Just clear, patient guidance and a plan built around your situation. Whether you're already a client reviewing your coverage or exploring an FIA for the first time, you'll be looked after the same way.
Your VaultFIA advisory teamIndependent · licensed in multiple states
Licensed & independent
20+ years experience
Life · Health · Annuities
Book a Free Consultation
No cost · No obligation · Straight answers
Meet The Team
The Osuna Family Advisory Team
A family team who treats your retirement like their own — patient, straight-talking guidance across life, health, and annuities.
M. Osuna
Lead Advisor
R. Osuna
Retirement Specialist
S. Osuna
Client Care & Annuities
I. Osuna
Life & Health
Proudly affiliated with Dynasty Financial GroupIndependent affiliation. VaultFIA advisors are part of the Dynasty Financial Group network of licensed professionals.
Client Stories
Real People. Real Protection.
"Our retirement is secure."
★★★★★
"After the 2022 market downturn, our FIA didn't lose a penny. Meanwhile, our friends' 401(k)s dropped 20%. We sleep so much better at night."
Robert & Linda M.Retired Educators, Age 67 & 64
★★★★★
"The guaranteed income rider gives us a predictable paycheck in retirement. It's like having a pension without ever working for the government."
James T.Former Business Owner, Age 71
★★★★★
"I was skeptical at first, but seeing my account grow tax-deferred while being protected from losses — it's the best financial decision I've made."
Patricia S.Retired Nurse, Age 62
Insights & Guides
Learn Before You Decide
Clear, jargon-free guides on protecting and growing retirement savings — written by our advisory team.
Guide
The Complete Fixed Index Account Buyer's Guide
What an FIA is, how crediting works, and the questions to ask before you sign.
Report
Why Your Principal Never Goes Backward
The market-protection mechanic that lets you share the upside without the downside.
Guide
The Quiet Power of Tax-Deferred Growth
How compounding without an annual tax drag can meaningfully change your outcome.
Worksheet
Turning Your Savings Into a Paycheck for Life
How guaranteed lifetime income riders work and who they fit.
Myths
6 Annuity Myths, Honestly Answered
Hidden fees, complexity, access to your money — the facts behind the fears.
Report
FIA vs. the Market: Understanding the Trade-Off
You trade the biggest highs for a floor that never drops. Here's the math.
FAQ
Common Questions
Get clear, honest answers about Fixed Index Accounts. Still have questions? Schedule a free consultation with our team.
Ask an AdvisorA Fixed Index Account (a fixed index annuity) is an insurance contract that credits interest based on the performance of a market index like the S&P 500 — without ever exposing your principal to market losses. You get a share of the upside while your original investment stays protected.
Your money isn't invested directly in the market. The issuing insurance company guarantees your principal, so if the index falls, your account value simply stays flat for that period — it never goes down due to market performance.
They define how much of the index's gain is credited to you. A cap rate sets the maximum interest for a period; a participation rate credits a percentage of the index's gain. Your advisor will compare products so you understand exactly how your growth is calculated.
Yes. Most contracts allow penalty-free withdrawals (commonly up to 10% of the value each year) after the first year. Larger withdrawals during the surrender period may incur surrender charges, and withdrawals before age 59½ may carry a federal tax penalty.
An optional income rider lets you convert your accumulated value into a guaranteed stream of payments for life — income you cannot outlive, regardless of how markets perform. Riders may carry an annual fee; your advisor will show you the trade-offs.
FIAs are backed by the financial strength and claims-paying ability of the issuing insurance company. We only work with top-rated, established carriers so your guarantees are as strong as the company standing behind them.
FIAs suit people near or in retirement who want growth potential without risking their principal, value tax-deferral, or want a reliable income stream. If protecting what you've saved matters as much as growing it, an FIA is worth exploring.
A variable annuity invests directly in market subaccounts and can lose value when markets fall. An FIA links your interest to an index but protects your principal — you get upside potential without downside market risk.
Get Started
Your Free Consultation Awaits
Discover how a Fixed Index Account can protect and grow your retirement savings. Our licensed advisors will create a personalized plan — completely free, no obligation.
- Personalized FIA analysis for your situation
- Compare top-rated insurance carriers
- Understand your growth potential and income options
- Zero cost, zero obligation
Thank you — request received.
A licensed advisor will reach out within one business day to schedule your free, no-obligation consultation.