When you want growth potential while limiting downside risk

A registered index-linked annuity (RILA) offers growth potential based on index strategies that track market performance, but you are not directly invested in the market.

They can be a good choice if you’re willing to take on market risk but also want some control over how much risk you take on.

There are two types of protection to help limit loss.

  • A Buffer RILA protects against index losses up to the buffer percentage and you assume losses beyond that point
  • A floor RILA protects against index losses once they reach the floor percentage; but you assume losses up to that point

What are the benefits?

Growth potential

Your retirement savings has the potential to grow based on the performance of index strategies.

Tax deferral

Its tax-deferred status allows you to benefit from compounded growth.

Protection from market risk

You can be partially protected from market volatility based on the type of protection you select.

What should you consider before purchasing?


RILAs are complicated investments, so your financial professional can advise if they are a suitable purchase based on your situation or objectives.

Risk of market decline

You assume the losses that aren’t covered by the protection level, and if the contract loses value before the end of the strategy term you may experience a loss within the protection level.


Fees and charges of an annuity may vary and are generally subtracted from the earnings.

Annuity resources

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Visit our library of annuities articles in the Learning Center.

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Learn about the features and benefits offered by the different annuity types.

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