![concept-piece-download-30021-benefits-of-indexed-annuites](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-benefits-of-indexed-annuites.png)
In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.