Growth/Accumulation Annuities:

🌱 Growth & Accumulation Annuity Guide

What it is, where to find it, and how to use it to grow your clients’ money safely.

✅ Built for new agents, IMO recruits, and anyone getting started with annuities

🔹 What Are Growth / Accumulation Annuities?

These annuities are designed for clients who want to grow their money over time — not take income right away.

They typically offer:

✅ Principal protection (no direct market loss)

✅ Tax-deferred growth

✅ Compounding interest

✅ Flexibility for future income or withdrawals

Two Main Types:

1. Fixed Indexed Annuities (FIAs)

Growth is linked to a market index (like the S&P 500), but with downside protection

2. MYGAs / Fixed Annuities

Simple, guaranteed interest for a fixed period (similar to a high-yield CD)

🔍 Where to Find Growth Tools Inside Annuities Genius

🖥️ Desktop

For FIA / Growth Tools:

Go to:

➡️ Calculators → Accumulation

There, you’ll find:

• Performance Analyzer
• Index Tracker
• Simulator

💡 These tools help you analyze performance, compare strategies, and demonstrate risk reduction

For MYGA Rates:

Go to:

➡️ Marketplace → Select “MYGAs”

Here you can:

• View current fixed rates across carriers
• Filter by state, term, and carrier
• Run illustrations directly from the product list

💡 This is your go-to for guaranteed fixed rate products

For VA → FIA Comparison:

Go to:

➡️ Illustrate → VA to Fixed (FIA) Comparison

Use this to:

• Compare fees, risk, and outcomes
• Show clients the difference between variable annuities and FIAs
• Support replacement conversations with clear visuals

📱 Mobile / iPad

• Tap the ☰ (top left menu)

For FIA Tools:

• Tap Calculators → Accumulation

  You’ll see:

• Performance Analyzer
• Index Tracker
• Simulator

For MYGAs:

• Tap Marketplace
• Select MYGAs

For VA → FIA Comparison:

• Tap Illustrate
• Select VA to Fixed Comparison

✅ Same functionality — just organized by section

📊 What Each Tool Helps You Do

🧭 Bonus Tools That Work With It

• Indexed Illustrator → Build full, back-tested illustrations using real data
• Navigator → Guide clients through Accumulation vs. Income paths and narrow to top matches

💡 Use these together to move from research → recommendation → illustration → client presentation

🗣️ What to Say to a Client

“We can compare what happens if you stay in the market versus moving into a protected annuity strategy. This uses real historical data, so you can clearly see the trade-off between risk and stability — and how your money could grow over time in each scenario.”

✅ Quick Summary for New Agents

• Go to Calculators → Accumulation to access:

  → Performance Analyzer

  → Index Tracker

  → Simulator

• Use Marketplace → MYGAs for fixed rate products
• Use Illustrate → VA to Fixed for replacement comparisons
• Combine with Navigator + Illustrations for a complete, client-ready workflow