All indexed annuities have a floor of zero meaning the absolute worst case scenario due to a downturn in the market index is a consumer might receive no interest in a particular year however he or she cannot lose any previously credited interest or premiums. The bad indexed annuities have a history of being oversimplified by the agents selling the products. This doesn t mean that they re bad but it does mean that you should review any potential annuity purchases carefully.
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