An indexed annuity is a type of annuity contract between you and an insurance company. It generally promises to provide interest linked, in part, to the performance of a market index at the end of a specified term. Not all indexed annuities are regulated by the SEC. For example, the SEC does not regulate fixed indexed annuities, which guarantee your interest rate will never be less than zero. The SEC regulates only indexed annuities that are securities. These indexed annuities can expose investors to investment losses. For example, the SEC regulates registered index-linked annuities (RILAs) in which you can lose money – often subject to limits – if the index performs poorly or if amounts are removed prematurely from the contract or the contract’s investment options. If an indexed annuity is a security, a prospectus will be delivered to you.
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