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Fixed Indexed Annuities Educational VideoComing Soon

Fixed Indexed Annuities: The Basics

How interest is credited from an index, what the “floor” protects, and the trade-offs to understand.

June 9, 2026 10 minFixed Indexed Annuities

Archived educational summary. No playable video was supplied for this page.

About this video

Fixed indexed annuities credit interest based on the performance of a market index, with a floor that protects principal from market losses. This video explains the mechanics — caps, participation rates, and crediting methods — in plain English.

Index annuities do not directly participate in the market, and any guarantees are subject to the issuing insurer’s claims-paying ability and are not FDIC insured.

Transcript

A full transcript will be published here once this video is released. Prefer to read? Explore the related guides below for the same material in written form.

Frequently Asked

Do I lose money in a fixed indexed annuity if the market drops?

These contracts include a floor (often 0%) that protects your principal from index losses in a down year. You won’t earn index interest that year, but your prior credited value is protected, subject to the insurer’s claims-paying ability and not FDIC insured.

What are caps and participation rates?

A cap limits the maximum interest credited in a period; a participation rate determines what share of the index’s gain is credited. Both shape your potential return and vary by contract.

Apply This to Your Own Plan

Schedule your complimentary, no-pressure Retirement Income Review with Tim. Call (727) 692-5866 or book below.

Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.