Credibility and service depth
Add professional money management and broader planning to your toolkit alongside the annuity. Show up to client conversations with a complete picture, not a single product.
FIA BOOST · for licensed agents
A partnership program for licensed annuity agents.
FIA BOOST lets licensed-only insurance agents keep their full annuity commissions while giving clients access to professional money management, broader planning, and a deep money-manager bench. Agents keep the annuity relationship — WWA adds the rest.
The opportunity
$500M+
in asset transfers, last three years
Over the past three years, the Wealth Watch Advisors team has helped dozens of licensed-only agents substantially increase their annuity production. To date, the FIA BOOST program has been responsible for over $500 million in asset transfers, with the majority of those assets moving into safe-money FIA solutions written by the partnered agent.
Figure represents cumulative assets transferred through FIA BOOST partner agents. Past program results do not guarantee future agent results or client outcomes.
What you get
Keep the commission. Add the capability.
The partnership is structured so the agent never gives up the annuity relationship — and gains the rest of the household conversation.
Full commission retention
Agents keep 100% of their FIA commission on partnership business. WWA is compensated separately on the assets it manages — the two streams do not compete.
Access to higher-net-worth clients
Holistic planning attracts prospects who would otherwise bypass a single-product agent. Clients you could not previously close become viable engagements.
WWA’s money-manager network
Direct access to nine third-party money managers — the institutional bench WWA uses across all client portfolios. Custodied at Charles Schwab.
How the partnership works
Four steps. Designed to keep you in the relationship.
01
Qualify and join
Licensed insurance agents apply through the qualification path. WWA reviews your book, licensing, and goals before extending an invitation.
02
Joint client engagements
You continue writing FIA business in your name. WWA handles the managed-money and planning side of the household — together, on shared client meetings.
03
Two compensation streams
You keep 100% of the FIA commission. WWA is compensated on the managed assets. The economics are transparent to the client and to both sides of the partnership.
04
Long-term advisor support
You stay involved across the relationship. WWA does not “take over” the household — the agent remains the primary contact for the annuity sleeve.
Hear from the program
Agents on what FIA BOOST changed for them.
FIA BOOST — Program Overview
Walkthrough of the partnership structure, agent fit, and what a joint engagement looks like in practice.
FIA BOOST — Success Story
Case study of an agent who joined the program and the change in client conversations and book quality that followed.
Testimonial — Christopher Benson
A partner agent on what the program changed for him operationally and economically.
Justin Roberts — MAXIMUM Asset Preservation Specialists
A partner agent on bringing planning and managed money into a previously annuity-only practice.
Video embeds will be added once the canonical Vimeo IDs are confirmed by the client. Testimonials reflect individual partner experience and are not representative of any specific outcome.
For licensed agents
See if you qualify for FIA BOOST.
Tell us about your book, your licensing, and what you’re looking to add to your practice. A WWA partnership lead will walk through the program and confirm fit.
Not an agent?
Here’s what a fixed-indexed annuity actually is.
The rest of this page is for consumers researching whether an FIA belongs in their plan — honest, two-sided, and not the “safe money, no downside” pitch common to the category.
Consumer education
What is a fixed-indexed annuity?
A fixed-indexed annuity (FIA) is an insurance contract between you and an insurance carrier. You pay a premium, the carrier credits your contract with interest linked to an external index (commonly the S&P 500 price return), and the credit is calculated using a formula set in the contract — subject to a cap, a participation rate, or a spread.
In a down year for the index, the contract’s index-linked credit floors at zero — your principal does not decline due to market losses. (Rider fees can still reduce the contract value.) That floor is the headline benefit of the product.
FIAs are not securities. You do not own the index or any underlying stocks. You own a promise from the carrier, calculated using a formula tied to the index’s performance.
Honest trade-offs
What FIAs do well — and where they have real costs.
If a sales conversation skips these, find a different conversation.
Caps and participation rates
If the index rises 20% and your cap is 7%, you receive 7% — not 20%. Caps are set by the carrier and can change at renewal, subject to contract minimums.
Surrender periods
Most FIAs carry surrender schedules of 5–10+ years with declining surrender charges. Withdrawals beyond the contract’s free-withdrawal amount inside the surrender period trigger charges.
Complexity
Annual point-to-point, monthly averaging, monthly sum, two-year point-to-point — crediting methods are not interchangeable. The illustrated return on a marketing piece is a number, not a promise.
Carrier credit
Guarantees are backed by the issuing insurance carrier’s claims-paying ability — not by FDIC or SIPC. Carrier ratings matter.
Income riders
Optional riders that promise guaranteed lifetime income come at an annual cost. The rider’s “income value” is usually different from — and often larger than — the true cash surrender value of the contract.
Suitability
Who an FIA fits — and who it doesn’t.
Fits
- Pre-retiree or retiree (typically 55–75) wanting a portion of assets with no market-loss exposure
- Comfortable committing to the contract’s surrender period
- Values guaranteed income or principal protection over maximum growth
- Will hold the contract to term — not a short-term position
Does not fit
- Investors who need liquidity inside the surrender period
- Investors seeking true market-level upside
- Anyone for whom the FIA would be an outsize share of retirement assets
- Buyers attracted by an illustrated return alone, without reading the contract
Important risk disclosures
What you should know before buying a fixed-indexed annuity.
A fixed-indexed annuity (FIA) is an insurance contract — not a security — issued by an insurance company. Any guarantees are backed by the claims-paying ability of the issuer. FIAs involve tradeoffs that make them a poor fit for some clients. Read the following before proceeding.
Insurance product, not a market investment
An FIA is an insurance contract. Credited interest is calculated using a formula tied to an external index, but you do not own the index or any underlying securities. An FIA is not FDIC-insured and is not a deposit or obligation of any bank.
Caps, participation rates, and spreads limit upside
Insurers limit index-linked credits using caps, participation rates, spreads, or a combination. In strong market years, your credited interest will almost always be less than the index return. Terms may also be changed by the insurer at renewal, subject to contract minimums.
Surrender charges and liquidity restrictions
FIAs impose surrender charges — often over a 7 to 10 year schedule — on withdrawals above the contract's free-withdrawal amount. Money placed in an FIA should be money you do not expect to need during the surrender period.
Tax treatment
Earnings inside an FIA grow tax-deferred; withdrawals are taxed as ordinary income, and withdrawals before age 59½ may be subject to an additional 10% federal tax penalty. FIAs held inside an IRA or other qualified plan offer no additional tax benefit beyond the wrapper the plan already provides.
Guarantees depend on the insurer
All contractual guarantees — including principal protection and any minimum crediting rates — are backed solely by the claims-paying ability of the issuing insurance carrier. Carrier strength matters; we review ratings as part of recommending any contract.
Suitability
FIAs are typically suitable only for a portion of a client's assets and only after other planning considerations — emergency reserves, liquid investments, tax-advantaged accounts — are addressed. Wealth Watch Advisors does not recommend an FIA unless the contract fits the client's broader plan.
Wealth Watch Advisors is a SEC-registered investment adviser. Insurance products are offered through licensed insurance agents, who may be the same individual as your advisor. A guarantee provided by an insurance product is subject to the claims-paying ability of the issuing insurance company. Not FDIC insured. Not a deposit. May lose value if surrendered early. This page is informational and not a recommendation to buy any specific contract.
Two paths from here
Pick the conversation that fits you.
For agents
Apply to the FIA BOOST partnership.
Keep your annuity commission. Add planning and managed money to the rest of the household.
For consumers
Talk to a WWA advisor about whether an FIA fits.
Bring your retirement timeline, income picture, and any illustration you’ve already been shown. We’ll tell you honestly.
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