Indexing allows your retirement to participate and lock-in the upside market gains, but never in the downside market losses. The hypothetical example above shows how when a market index (such as the S&P 500) increases, the FIA
participates and locks in the gains, but when the market index declines, the FIA does not lose value.
With Indexing, your retirement is always safe and your principal and gains will never be lost due to market downturns.