Caps, participation rates and floors decide how a fixed indexed annuity grows. Learn what the numbers mean, then request current rates for your age and state.
The most interest you can be credited in a period. If the cap is 9% and the index gains 15%, you're credited 9%.
The share of the index gain you receive. 100% participation on a 6% gain credits 6%, up to any cap.
The least you can be credited, usually 0%. A down year credits zero instead of a loss.
FIA rates are not like CD rates. Instead of one number, each crediting strategy has its own cap, participation rate or spread, and the carrier can reset them at each renewal within the contract's guaranteed minimums.
The best rate on paper isn't always the best annuity. A carrier's history of keeping rates steady, the surrender schedule and the strength of the company matter just as much. We only work with A-rated, long-standing carriers and compare them for you.
A fixed indexed annuity credits interest between a floor and a cap. Enter a deposit and a cap from a real quote to see the range: every year at the cap, or every year at the 0% floor.
Tell us your deposit, age and timeline.
We compare caps, participation and surrender terms across carriers.
Rates are locked when your application is approved.
How to turn savings into a steady, protected retirement paycheck, in plain English. Download it free, then book a no-pressure 15-minute call if you'd like to see your own numbers.
Caps change often and vary by carrier, strategy and term. Request current rates and we'll show you what's available for your situation.
Yes. Carriers can adjust caps and participation rates at each crediting period, subject to the contract's guaranteed minimums.
A cap limits the maximum credited interest; a participation rate sets what share of the index gain you receive.
They do different jobs. A CD offers a fixed bank rate; an FIA offers tax-deferred, market-linked growth with a 0% floor and income options, with longer surrender periods.
