Protect Your Retirement Savings | See If You Qualify for a Free Review

For retirees and pre-retirees with $250K+ in savingsFor retirees with $250K+ in savings

Protect Your Retirement Savings From the Next Market Crash

A fixed indexed annuity can help shield your savings from market losses. Here are the last 8 stock market crashes on the S&P 500. Are your savings protected?

  • 2025 19%
  • 2022 25%
  • 2020 34%
  • 2018 20%
  • 2011 19%
  • 2008 57%
  • 2000 49%
  • 1987 34%
  1. 1Answer 3 quick questions
  2. 2Get matched with one licensed agent in your state
  3. 3Have a free, no-obligation review

See if you qualify for a free annuity review

What is your age?

Roughly how much do you have saved and invested in total?

Count: bank savings, CDs, 401(k)s, IRAs, annuities and investments

Don't count: your home or other real estate

Last question. What is the ZIP code where you live?

So we can match you with a licensed agent in your state.

Good news, you pre-qualify

Last step: where should your agent reach you?

Please make sure your information is accurate so a licensed agent can reach you for a quick review call. Your information goes to one licensed agent only.

Please fill in every field and check the box below.

By continuing, you agree that a licensed insurance agent may contact you by phone, text or email about annuities. This is a request for information about insurance. We are not an insurance company.

Thanks for your answers

We may not be the best fit right now

Free Review Secure and private
A retired couple reviewing paperwork together at their kitchen table

3 Things Smart Retirees Do Before the Next Crash

A big market drop hurts most once you are retired, because you are living off your savings and no longer have a paycheck to wait it out. Here is what careful retirees do about it.

  1. They find out how much of their savings is at risk

    Most retirees have never checked how much of their money would fall in the next crash. A free review shows you exactly how much is exposed today.

  2. They protect the money they cannot afford to lose

    Many move part of their savings into a fixed indexed annuity, where a market drop does not reduce the principal, while the interest they earn is still tied to a market index.

  3. They get a free review from a licensed agent

    A short, no-cost conversation shows your options and whether an annuity fits your plans. It takes about a minute to see if you qualify.

See If I Qualify for a Free Review

This is general education, not tax, legal or investment advice.

Market crashes happen fast

Some of the biggest drops in history took days or weeks, not years. By the time it is on the news, the damage is already done.

1987

▼ 20% in 1 day

2008

▼ 40% in 62 days

2020

▼ 34% in 33 days

2025

▼ 19% in 48 days

See If I Qualify for a Free Review

Source: S&P 500 index closing levels. October 19, 1987 (one day); September 19 to November 20, 2008; February 19 to March 23, 2020; February 19 to April 8, 2025. Percentages rounded. Charts are simplified. Past performance does not predict future results.

How a fixed indexed annuity handles a crash

A fixed indexed annuity is an insurance contract, not an investment in the stock market. The interest you earn is tied to a market index, but a market drop does not reduce your principal.

How it works: a hypothetical example

Fixed indexed annuityMarket indexDown years
$100K$120K$140K$160K$180KYr 0Yr 2Yr 4Yr 6Yr 8Yr 10

Hypothetical example only. Assumes $100,000, a 9% annual cap, a 0% floor and no withdrawals or fees. The market index line shows price changes only and does not include dividends. The annuity gives up some gains in strong years in exchange for no losses in down years. It does not represent any specific product or actual performance. Caps, rates and results vary.

  • Market goes upYou earn interest tied to part of the gain, up to a cap.
  • Market goes downYou earn 0% that year instead of a loss.
  • Gains lock inInterest credited to your account is not lost in a later drop.
See If I Qualify for a Free Review

How it works depends on the contract and options you choose, and your agent will walk you through them. Caps can change, surrender charges apply to early withdrawals, and guarantees are backed by the claims-paying ability of the issuing insurance company.

How to get your free review

  1. Answer 3 quick questions

    About a minute to see if a review makes sense for you.

  2. Get matched with one agent

    Your information goes to one licensed agent in your state, not a list.

  3. Talk with a licensed agent

    A relaxed conversation about your goals. You decide what, if anything, happens next.

See If I Qualify for a Free Review

Common questions

Straight answers before you take the next step.

Is the review really free? Who pays for it?

Yes, it is free to you. Licensed agents pay us for introductions, and you are never obligated to buy anything.

Who will I talk to?

A licensed insurance agent who works with annuities and retirement income in your state.

Will I get lots of calls?

No. Your information goes to one licensed agent, not a call list. You can ask them to stop contacting you at any time, and you can reply STOP to any text.

Can a market drop reduce my principal?

In a fixed indexed annuity, a market drop does not reduce your principal. In down periods you earn 0% instead of a loss. Guarantees depend on the financial strength and claims-paying ability of the issuing insurance company.

What should I know before choosing an annuity?

Annuities are long-term products. Most have surrender charges if you withdraw more than a set amount in the early years, and growth in a fixed indexed annuity is limited by caps or participation rates that can change. Your licensed agent walks you through every detail during the free review, so you can decide with confidence.

Why do you ask about my savings?

An annuity review is most useful for people with a meaningful amount set aside. Your answers help match you with an agent who works with situations like yours.

See if a free annuity review makes sense for you

Three quick questions. Under a minute. Free to you, with no obligation.

See If I Qualify for a Free Review

Privacy PolicyTerms

Market crash figures are peak-to-trough declines in the S&P 500 index, rounded. Past performance does not guarantee future results.

This site is a marketing service. We are not an insurance company, insurance agency, or investment adviser, and we do not sell insurance. We connect consumers with independent licensed insurance agents, who pay us for introductions. A licensed insurance agent may contact you. This page is educational and is not tax, legal, or investment advice.

Annuities are insurance products. Fixed indexed annuities are not a direct investment in the stock market. Caps and participation rates can change. Surrender charges may apply to early withdrawals. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Tax-deferred means taxes are owed when money is withdrawn. Not affiliated with or endorsed by any government agency.

© Attorney Scaler LLC. Last reviewed .