Fixed Indexed Annuity
An Aviva indexed annuity credits interest based partly on a stock-market index. So you have greater upside potential as well as the protection of a guaranteed interest rate.
Aviva also offers traditional fixed annuities.
Safety of a traditional fixed annuity

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Aviva fixed indexed annuities are available with both traditional and indexed crediting options, so you can choose the way interest is credited. This is a summary. Terms and conditions may vary by state. For details and to find out what’s right for you, contact your local Aviva agent.
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MultiChoice IncomeFiveSM, IncomeSevenSM and IncomeTenSM |
MultiChoice IncomeEliteSM |
MultiChoice IncomePlusSM |
MultiChoice IncomeXtraSM |
Surrender charge period |
5, 7, or 10 years |
10 years |
10 years |
10 years |
Maturity period |
5, 7, or 10 years |
10 years |
10 years |
10 years |
Minimum initial premium amount |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
Early income option |
Yes |
Yes |
Yes |
Yes |
Premium bonus |
Not applicable |
Not applicable |
5% in first year |
8% in first two years |
Additional premium option |
Yes |
Not applicable |
Yes |
Yes |
Liquidity |
Yes, up to 20% free withdrawal |
Yes, up to 10% free withdrawal |
Yes, up to 20% free withdrawal |
Yes, up to 20% free withdrawal |
Checkbook access withdrawal |
Yes |
Yes |
Yes |
Yes |
LifetimePaySM withdrawal |
Yes |
Yes |
Yes |
Yes |
Guaranteed accumulated value floor |
1% per year |
1% per year |
1% per year |
1% per year |
Death Benefit |
Yes |
Yes |
Yes |
Yes |
Nursing Home waiver |
Yes |
Yes |
Yes |
Not applicable |
Confinement waiver |
Not applicable |
Not applicable |
Not applicable |
Yes |
Home health care waiver |
Yes |
Yes |
Yes |
Yes |
Terminal Illness waiver |
Yes |
Yes |
Yes |
Yes |
Withdrawal charges and MVA are imposed retroactively if the contract is surrendered within 12 months of a free withdrawal. Withdrawals may be subject to ordinary income tax and may be subject to a 10% IRS tax penalty if taken prior to age 59 1/2. Withdrawals may also forfeit potential interest credits and if taken during the withdrawal charge period may result in the loss of principal.
Aviva does not authorize its agents, employees or representatives to give legal, tax or accounting advice. The information contained herein is our understanding of the current laws as they relate to annuities. These laws are subject to change in the future. Please consult your personal advisor for any tax, legal or accounting advice to determine if a single premium immediate annuity or a deferred annuity is right for you.