People are always looking for the perfect investment.  Clients want to earn the highest interest possible without putting any of their money at risk.  These types of investments have never existed … until now.  A Fixed Indexed Annuity (FIA) is a guaranteed insurance product that offers above average returns with no market risk to principal and no management fees ever.  In this historically low interest rate environment, many clients are reconsidering where to park their hard earned cash for the long haul.