Our select fixed index
annuity.

Participate in the equity market without principal risk.

Protection and growth.

With a Knighthead Safe Harbour^™ Select Fixed Index Annuity (SFIA), you can take advantage of market gains while staying completely protected from losses. This is because, with a Knighthead Safe Harbour^™ SFIA, your money isn’t invested directly in the market, but earns interest based on your chosen indices’ performances. You’ll have an upper limit, or cap, on the amount of interest you can earn in a given period, but you’ll also have a lower limit, or 0% floor, that prevents your contract from losing value even if the market declines.

A KNIGHTHEAD SAFE HARBOUR™
SFIA IS A GOOD FIT IF YOU ARE:

WANTING TO BENEFIT FROM MARKET GAINS

SEEKING PROTECTION
FROM MARKET LOSSES

PRESERVING CAPITAL IN
UNPREDICTABLE MARKETS

ESTATE PLANNING AND SECURING WEALTH FOR FUTURE GENERATIONS

How SFIAs work.

With a Knighthead Safe Harbour^™ SFIA, your investment return is linked to the performance of the equity markets without downside risk. The value of your Knighthead Safe Harbour^™ SFIA is based on the annual performance of the index, such as the S&P 500^®, MSCI^® EM, or MSCI^® EAFE4, subject to a highly attractive cap. You also have the ability to reallocate your investment every year among available indices or a fixed rate account.

Determine your
investment

Choose your indices
and duration

Enjoy your returns

Benefits of a Select
Fixed Index Annuity.

The Knighthead Safe Harbour^™ SFIA gives you the best of both worlds; you can participate in market upside, without any risk to your principal.

COMPETITIVE RATE

Enjoy a competitive rate of return, while also benefiting from market gains.

Full principal protection

Participate in the stock market while enjoying principal protection and no downside risk.

Liquidity

Access to up to 10% of your principal annually without penalty.⁵

Annuity payout options

You may choose to annuitize the Contract Value into an available Annuity Payment at the end of the Initial Guaranteed Term or any successive term.

Choose your beneficiary

Take full control on determining the beneficiary or beneficiaries of this product.

Reallocate across indices yearly

You have the ability to reallocate annually between 3 available indices and a fixed account.

Death benefit

Upon the death of the annuitant, designated beneficiaries to the contract will receive 101% of the Contract Value free of any Withdrawal Charges or Market Value Adjustment (MVA).⁶

Learn more about our SFIA.

With high reward and zero risk, our Knighthead Safe Harbour^™ SFIA is designed to complement your overall wealth preservation and growth strategy.

For Individuals

Work with a financial professional to see if a Knighthead Safe Harbour^™ SFIA is right for your financial goals.

Learn more

For Professionals

Help your clients participate in the market with full principal protection and no downside risk.