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Fixed Deferred Annuities

A fixed  deferred annuity offers safety of principal and earns guaranteed interest rates for specified periods of time. Underlying the contract for its life is a minimum rate of return.

For their fixed annuities, insurers apply interest earnings by "declaring" a specific rate of return (based on a certain interest-crediting methodology) payable for a set period of time (one year, three years, five years, etc.).

Last Updated: 9/23/2012 10:05:00 PM