Diversify Your Pie

With Foundations Annuity

Accumulation Potential Without the Downside Risk

If risk wasn't a factor, would you build your portfolio on a single strategy? Or would you diversify into asset classes with greater accumulation potential, knowing you couldn't lose?

Foundations, a fixed index annuity, already diversifies your client's retirement portfolio by taking market loss off the table. Now, with 16 crediting strategies from which to choose, you can build more robust allocations to optimize accumulation potential.

New Trigger Rate Strategy Offers Simplicity

If you're looking to expand on a traditional Cap strategy, your clients can now opt for a Trigger Rate strategy based on the S&P 500®. Simply put, if the performance of the S&P 500 is 0% or higher during the Index Term, your client will receive the stated Trigger rate.

S&P Trigger Strategy Thumbnail
 

Take a look at the strategy's 20-yr hypothetical performance and how the crediting strategy works within Foundations.

 

Download S&P 500 Trigger Rate Strategy At A Glance

Note: Trigger Rate Strategy not available in Florida.

New Asset Classes From Which To Choose

If you want to allocate FIA dollars similar to your managed money strategies, our latest index additions can help. We've added three new Annual Point to Point w/ Cap strategies based on well-known indices representing international, tech, and small-cap asset classes. 

Learn more about each of the newest indices and the 20-yr hypothetical performance of their crediting strategies within Foundations.

Download MSCI EAFE (International Equities) Index Account At a Glance

Download Nasdaq-100® Index Account At a Glance

Download Russell 2000® Small Cap Index Account At a Glance

Essential Index Account Resources

Compare All Indices
Index Comparison Guide Thumbnail

Index Comparison Guide

A range of crediting strategies can spread out your clients potential for accumulation. This guide provides a snapshot of the indices within Foundations, as well as the crediting strategies associated with each.

Compare Index Accounts
When Is Zero Your Hero Thumbnail

When Is Zero Your Hero?

Help your clients understand the advantages of zero market risk in Foundations by reviewing hypothetical interest credits for each of the Annual Point to Point index accounts within Foundations.

View Current Rates
Foundations Rate Sheet Thumbnail

Current Rates

Check today's rates for Foundations Annuity.

Want to Learn More?

Visit the Foundations product page for more information and index performance data.

Foundations Product Page

FINANCIAL PROFESSIONAL USE ONLY — NOT FOR USE WITH CONSUMERS

Fixed index annuities are not stock market investments and do not directly participate in any equity, bond, other security, or commodities investments. Neither an index nor any fixed index annuity is comparable to a direct investment in the equity, bond, other security, or commodities markets. Unless otherwise indicated, the index's performance does not include dividends.

The Security Benefit Foundations Annuity (form 5800 (11-10) and ICC10 5800 (11-10)), a fixed index flexible premium deferred annuity is issued by Security Benefit Life Insurance Company. Product features, limitations and availability may vary by state. In Idaho, Foundations is issued on form ICC10 5800 (11-10).
 

Bonus annuities may include changes to the elements used to determine the index interest credits or changes to the interest rate that are not included in similar annuities without a bonus. These changes may include lower current interest rates, higher surrender charges, longer surrender charge periods, lower participation rates or caps, higher spreads, or other changes. The amount of charges or reduction in interest credits may exceed the amount of the bonus.
 

Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Annuities are not FDIC or NCUA/NCUSIF insured; are not obligations or deposits of and are not guaranteed or underwritten by any bank, savings and loan, or credit union or its affiliates; and are unrelated to and not a condition of the provision or term of any banking service or activity. 
 

S&P Dow Jones Indices Disclaimer: The “S&P 500,” “S&P 500 Low Volatility Daily Risk Control 5% Index,” “S&P Multi-Asset Risk Control (MARC) 5% Index,” and “S&P 500 Factor Rotator Daily RC2 7% Index” are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Security Benefit Life Insurance Company (SBL). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”), and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by SBL. The Foundations Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing the Foundations Annuity nor do they have any liability for any errors, omissions, or interruptions of the above named indices.
 

MSCI Disclaimer: The MSCI indexes are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by Security Benefit Life Insurance Company. The financial products referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such financial products or any index on which such financial products are based. The annuity contract contains a more detailed description of the limited relationship MSCI has with Security Benefit Life Insurance Company and any relevant financial products. No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

Nasdaq-100® Disclaimer: Nasdaq®, Nasdaq-100®, Nasdaq-100 Index®, and NDX® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by Security Benefit Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Russell 2000® Disclaimer: The Foundations Annuity (the “Product”) has been developed solely by Security Benefit Life Insurance Company. The Product is not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies. 

All rights in the Russell 2000® (the “Index”) vest in the relevant LSE Group company which owns the Index. “Russell®” is a trade mark of the relevant LSE Group company and by any other LSE Group company under license. 

The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Product. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Product or the suitability of the Index for the purpose to which it is being put by Security Benefit Life Insurance Company. 

SB-10057-93  |  2025/05/14