The Market Savings program is very similar to a Fixed Indexed Annuity, except for a couple of things, which are listed in the chart below.
| Features | Market Savings | Fixed Indexed Annuity |
| FDIC Insured | Yes† | No |
| Term Length | 1- and 5-year terms | Usually >5-year terms |
| Fees Charged | Save charges a 0.35% fee only when there is a return above 0.35%. | Fees up to 5% upfront |
| Tax efficient investments | Yes | Yes |