Bảo hiểm nhân thọ nhóm & Niên kimCâu 436 / 716
An equity-indexed (fixed indexed) annuity protects the owner against index losses by providing:
a.A death benefit that varies with the market
b.A guaranteed minimum floor, often zero percent, below which credited interest will not fall
c.Unlimited upside participation in the index with no cap or participation rate limiting the credited interest
d.Federal deposit insurance on the account
Giải thích
A fixed indexed annuity credits interest linked to a market index but includes a guaranteed floor (commonly zero percent), so a down year in the index does not reduce the account value below that floor, offering downside protection. Its upside is not unlimited; it is limited by caps and participation rates. Its guarantees are not a variable death benefit, and it is not covered by federal deposit insurance. The floor is what shields the owner from index declines.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- In a fixed annuity, the premiums are held in the insurer's:
- During the accumulation phase of a variable annuity, the owner's payments purchase:
- During the payout phase of a variable annuity, the number of annuity units is generally fixed, yet the payment amount varies because:
- In an indexed annuity, the 'participation rate' determines:
- The 'life with period certain' annuity payout option pays income:
- Under a 'cash refund' life annuity option, if the annuitant dies before receiving payments equal to the amount paid in, the beneficiary receives:
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)