FIAs also offer the reassurance of a death benefit for your beneficiaries. In years when the market index is negative, a fixed index annuity reflects a zero interest rate for that period. That would be true no matter which type of crediting strategy is chosen, capped or 不封顶. In years where the applicable index has a positive movement upward, the consumer may receive an interest rate that reflects a share of the index movement, reduced in some way by either a cap, a margin spread, or a participation rate. A combination may also occur.
较新版本的固定指数年金可能会提供较低的波动率指数“uncapped” index crediting strategies. The term 不封顶 does not mean unlimited. Typically a margin will apply, meaning the consumer does not receive the margin amount, but then may receive, as interest, the rest of the increase without a cap. Back casting of indexes is meant only to assist in understanding and gauging how interest might be credited. The consumer has a choice between fixed guaranteed level strategies, and those with the potential for higher levels of interest. As with all financial products and indexes, past performance is neither predictive nor a guarantee of future results.