Index Annuities link interest credits to a common market index such as the S&P 500, NASDAQ or Dow Jones Industrial Average. If the market index declines in value, your client’s account is protected. When the index goes up, the index annuity may gain value. Gains in index annuities are often times substantially higher than interest rates available from Fixed Rate Annuities or other retirement savings vehicles. All the while, Index Annuities offer the same liquidity and income options as Fixed Rate Annuities.