Important: This calculator is for educational and hypothetical illustration purposes only. It is not an actual annuity illustration, offer, recommendation, or guarantee of future performance. The FIA calculation assumes a hypothetical annual point-to-point S&P 500 price-index strategy with a 0% floor and the cap entered above. Actual fixed indexed annuity crediting may use different caps, participation rates, spreads, index strategies, crediting methods, contract terms, surrender charges, withdrawals, and other limitations. An FIA does not directly invest in the S&P 500. Dividends are not included in this hypothetical index calculation. CD values shown assume annual compounding and do not reflect taxes, penalties, fees, or changes in interest rates. Past market performance does not guarantee future results.