Editing Fixed Index Annuities (section)

== Example Scenario ==
'''Sarah, age 58, rolls over $250,000 from her 401(k) into a Fixed Index Annuity.'''
* Year 1: The S&P 500 grows 8%. Her annuity credits 6% due to a cap.
* Year 2: The S&P 500 drops -12%. Her account earns 0%, but suffers no loss.
* Year 10: She activates a lifetime income rider and receives $1,800/month for life—even if her account runs out.