Indexed Annuities in Los Angeles
Grow your retirement income—without the risk of market losses.
Planning for retirement means balancing growth and protection. Indexed annuities offer a smart middle ground: the opportunity to earn interest based on stock market performance, without the risk of losing your principal. At Hansol Financial & Insurance, we help Los Angeles retirees and pre-retirees explore indexed annuities as a reliable option for retirement income—with no surprises, no guesswork, and personalized guidance every step of the way.
Whether you’re looking to protect a nest egg, generate income, or leave a legacy, we’ll show you how indexed annuities can be a powerful part of your plan.
Why Consider an Indexed Annuity?
Unlike variable annuities that expose your money to market swings, indexed annuities link your growth to a market index (like the S&P 500) while protecting your original investment. If the market goes up, you gain interest—up to a cap. If the market goes down, you simply earn nothing for that period, but you never lose money.
This blend of growth potential and downside protection makes indexed annuities ideal for those nearing retirement who want to keep growing without taking big risks.
What Indexed Annuities Can Offer You
Market-Based Growth, With a Floor
Your interest is tied to an index—but your principal is protected no matter what happens in the market.
Tax-Deferred Growth
Earnings grow tax-deferred until you start taking income, helping your money compound faster.
Optional Lifetime Income Riders
Want guaranteed monthly income in retirement? Indexed annuities can include income options that last as long as you live.
Protection From Market Volatility
No need to watch the market daily. With an indexed annuity, you know your savings aren’t at risk of sudden loss.
Legacy Benefits
You can choose to pass any remaining value to your loved ones, creating a legacy without the hassle of probate.
Who Should Consider an Indexed Annuity?
If you live in Los Angeles or surrounding areas and want to:
- Build retirement income without risking your principal
- Supplement Social Security or a pension
- Delay drawing down other investments
- Protect your spouse with income guarantees
- Keep up with inflation, without taking on stock market exposure
… then an indexed annuity could be a great fit.
We especially work with clients in West LA, Koreatown, Glendale, and the Valley who are looking for smart ways to turn retirement savings into dependable income.
How Hansol Helps
We take the time to explain all your options clearly. That includes showing you how different indexed annuity products compare, how their interest caps or participation rates work, and how income riders might apply to your situation.
We’ll also show you how indexed annuities compare to fixed or MYGA annuities, so you can choose the best tool for your goals.
Let’s Talk About Your Retirement Goals
Whether you’re five years out or already retired, we’ll help you make a confident, informed decision. We’ll review your entire retirement picture and help you decide if an indexed annuity fits into your income plan—without pressure or confusion.
Schedule a free retirement consultation with our Los Angeles team today.
Fixed Annuities
Retirement Planning
Multi-Year Guaranteed Annuities (MYGA)
Lifetime Income Annuities
What is an indexed annuity, in simple terms?
An indexed annuity is a retirement savings product that earns interest based on the performance of a market index, like the S&P 500. Your principal is protected—you can’t lose money if the market goes down—but your gains are capped. It’s a safe way to grow your savings with some market-linked potential.
How is an indexed annuity different from a fixed annuity?
A fixed annuity gives you a guaranteed, steady interest rate. An indexed annuity’s rate varies depending on how the market performs, but your money is still protected from loss. Indexed annuities offer more growth potential than fixed annuities but with a bit more complexity.
Can indexed annuities lose value if the market drops?
No. Your account value will never go down due to market losses. If the index doesn’t perform well, you may earn no interest for that period, but you won’t lose any of your original investment.
Do indexed annuities have fees?
Some do, especially if you add features like lifetime income riders. We’ll go over any fees and help you choose a plan that fits your budget and retirement timeline.
When should I consider buying an indexed annuity?
Most people purchase indexed annuities in their 50s or 60s when they want to protect their retirement savings while still seeing some growth. They’re also great for people who want lifetime income later.
What if I live in California—are indexed annuities a good choice here?
Yes. Many California retirees choose indexed annuities for the combination of protection and growth. With the higher cost of living in Los Angeles, it’s smart to use tools that offer both income and security.