Free NAIC Buyers Guide


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Minimum Guaranteed Rate

The minimum guaranteed interest rate is the lowest rate your annuity will earn.  This rate is stated in the contract.

Minimum Interest Rates

Some annuity contracts apply different interest rates to each premium you pay or to premiums you pay during different time periods. 

Other annuity contracts may have two or more accumulated values that fund different benefits options.  Theses accumulated values may use different interest rates.  You get only one of the accumulated values depending on which benefit you choose.