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USAA is The American Legion's preferred provider of financial services. Offering a range of top-rated financial and insurance products and services. USAA welcomes honorably discharged U.S. military veterans, active-duty troops and qualified family members and descendants of those who have served. USAA contributes funds to American Legion programs when members join through a dedicated channel: or by calling toll-free at 1-877-699-2654.

Financial Questions & Answers

Financial Questions & Answers


We currently have an Individual Flexible Premium Deferred Annuity Contract with Indexed Interest Accounts. The current accumulation value minus the surrender value would be offset by the original premium bonus. Would a surrender be beneficial now? – Jim


It sounds as if your index annuity may be working for you as you had intended. No losses when the markets were down and a nice seven percent return when things are good. What is causing you to rethink your strategy? Has something changed that makes what seemed like a good idea at the time unattractive now? We often see folks make emotional moves — bailing out or jumping into investments at precisely the wrong time. There are bound to be more tough market times in our future, so we think perhaps you should stay put. We also find it hard to get excited about paying significant surrender charges. It may make sense to just stay the course.