Charlotte La
Charlotte La
  • Home
  • Who We Are
  • What We Offer
    • Indexed Account
    • Personal Pension Plan
    • Mortgage Assurance Plan
    • Burial Advantage Plan
    • Business Suite
  • More
    • Home
    • Who We Are
    • What We Offer
      • Indexed Account
      • Personal Pension Plan
      • Mortgage Assurance Plan
      • Burial Advantage Plan
      • Business Suite
  • Home
  • Who We Are
  • What We Offer
    • Indexed Account
    • Personal Pension Plan
    • Mortgage Assurance Plan
    • Burial Advantage Plan
    • Business Suite

CLA Indexed Account™

CLA Indexed Account™ is designed for individuals and families who want to build wealth in a way that’s protected from market losses. This strategy links your account’s growth to market performance — giving you upside potential, without the risk of losing what you’ve already built. With tax advantages, protection from downturns, and the ability to access your funds when needed, it’s a modern way to grow wealth in an unpredictable world. 

Get tax advantages

Get tax advantages

Get tax advantages

Funds in these accounts grow tax-deferred, meaning you won’t owe taxes on gains each year—allowing your money to compound more efficiently over time. In certain cases, with proper structuring, funds may also be accessed tax-free.

Lock in returns

Get tax advantages

Get tax advantages

When the market performs well, you can earn interest based on that growth—and once it’s credited, that interest is locked in and can never be lost due to market downturns. This gives you upside potential with downside protection, creating a more stable and predictable path for long-term growth. 

Access your money

Get tax advantages

Access your money

Certain strategies allow you to access your money through free withdrawals or even tax-free loans, depending on how the account is structured. This flexibility can provide valuable support when you need funds—without disrupting your long-term financial goals.

Two Types of Accounts

IUL

Indexed Universal Life (IUL) is a type of permanent life insurance that offers both protection and growth potential. It builds cash value over time, with interest credited based on the performance of a market index — all while shielding your account from losses in a downturn. With flexible premiums, tax-advantaged growth, and the ability to access funds through policy loans, IULs offer a powerful way to plan for the future while protecting loved ones. It's a smart solution for those seeking both security and long-term financial opportunity. 

FIA

A Fixed Indexed Annuity (FIA) is a long-term financial product designed to help you grow and protect your retirement savings. Your money earns interest linked to a market index, but without the risk of losing value when the market declines. FIAs provide tax-deferred growth, guaranteed income options, and protection from volatility — making them ideal for those who want steady growth and peace of mind. It’s a balanced approach for building income in retirement without the ups and downs of direct market exposure. 

Download PDF

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Copyright © 2025 Charlotte Life & Annuity - All Rights Reserved.

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept