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Products / SFIA

Select Fixed Index
Annuity

Participate in the equity market without principal risk.

Indices

  • S&P 500®
  • MSCI® EM
  • MSCI® EAFE4
  • fixed rate account
How SFIAs workContact Us

Liquidity

10%

Access to up to 10% of your principal annually without penalty.

Death Benefit

101%

of the Contract Value

How SFIAs work

  1. 01Determine Your Investment
  2. 02Choose Your Indices and Duration
  3. 03Enjoy Your Returns

Select Fixed Index Annuity

Protection and growth.

With a Knighthead Safe Harbour™ Select Fixed Index Annuity (SFIA), you can take advantage of market gains while staying completely protected from losses.

With a SFIA, your money isn’t invested directly in the market, but earns interest based on your chosen indices’ performances.

A KNIGHTHEAD SAFE HARBOUR™ SFIA IS A GOOD FIT IF YOU ARE:

  • Wanting to benefit from market gains
  • Seeking protection from market losses
  • Preserving capital in unpredictable markets
  • Estate planning and securing wealth for future generations

SFIA

How SFIAs work.

With a Knighthead Safe Harbour™ SFIA, your investment return is linked to the performance of the equity markets without downside risk. The value of your Knighthead Safe Harbour™ SFIA is based on the annual performance of the index, such as the S&P 500®, MSCI® EM, or MSCI® EAFE4, subject to a highly attractive cap. You also have the ability to reallocate your investment every year among available indices or a fixed rate account.

  1. 01 / 03

    Determine Your Investment

    With a SFIA

    your money isn’t invested directly in the market

  2. 02 / 03

    Choose Your Indices and Duration

    Reallocate your investment every year

    S&P 500®·MSCI® EM·MSCI® EAFE4·fixed rate account

    S&P 500®MSCI® EMMSCI® EAFE4Fixed account
  3. 03 / 03

    Enjoy Your Returns

    Subject to a highly attractive capCompletely protected from losses

Benefits

Benefits of a Select Fixed Index Annuity.

The Knighthead Safe Harbour™ SFIA gives you the best of both worlds; you can participate in market upside, without any risk to your principal.

  • 01

    Competitive Rate

    Enjoy a competitive rate of return, while also benefiting from market gains.

  • 02

    Full Principal Protection

    Participate in the stock market while enjoying principal protection and no downside risk.

  • 03
    = 1%

    10%of your principal annually

    Liquidity

    Access to up to 10% of your principal annually without penalty.

  • 04

    Annuity Payout Options

    You may choose to annuitize the Contract Value into an available Annuity Payment at the end of the Initial Guaranteed Term or any successive term.

  • 05

    Choose Your Beneficiary

    Take full control on determining the beneficiary or beneficiaries of this product.

  • 06

    Reallocate Across Indices Yearly

    You have the ability to reallocate annually between 3 available indices and a fixed account.

  • 07
    = 1%

    101%of the Contract Value

    Death Benefit

    Upon the death of the annuitant, designated beneficiaries to the contract will receive 101% of the Contract Value free of any Withdrawal Charges or Market Value Adjustment (MVA).

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