Short

What is 0% floor Annuity?

0:29 · Uploaded 2025-11-21 · 15 views (YouTube)

Summary

In this 0:29 Annuities Explained YouTube Short, Jeffrey Scott McLeod, LUTC, covers “What is 0% floor Annuity?.” Let's look to see what the insurance commissioner has to say. A 0% floor assures that even if the index decreases in value, the index linked interest rate that you earn will be zero and not negative. But in all cases, your fixed annuity will have a minimum guaranteed value. If you have 500,000 or more to invest in an annuity over the Insurance education only—not securities advice.

Key takeaways

  • But in all cases, your fixed annuity will have a minimum guaranteed value..
  • A 0% floor assures that even if the index decreases in value, the index linked interest rate that you earn will be zero and not negative.
  • If you have 500,000 or more to invest in an annuity over the.
  • Let's look to see what the insurance commissioner has to say.
  • This Short is a quick overview—confirm features, rates, and charges in the insurance contract and NAIC Buyer’s Guide.

From the NAIC Buyer’s Guide

Fixed annuities guarantee at least a minimum interest rate set by the insurer. Deferred annuities also differ by premium pattern and by fees and charges.

The 2022 NAIC Buyer’s Guide for Deferred Annuities explains that an annuity is a contract with an insurance company. With an annuity, the insurer promises to pay income on a regular basis for a period you choose—including the rest of your life.

Immediate annuities begin payments soon after purchase; deferred annuities begin at a later date you choose. Most deferred annuities have an accumulation period and a payout period.

Source: NAIC Buyer’s Guide for Deferred Annuities (2022). The guide does not endorse any company or policy. For your state insurance department, see www.naic.org.

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Insurance-only disclaimer

Jeffrey Scott McLeod, LUTC, is a licensed insurance producer. Content on this page is educational and discusses insurance products only—not securities, brokerage, or investment advisory services. Texas license 901162. Arkansas / National Producer Number 558629. Product availability, rates, and features vary by state and insurer. Read the NAIC Buyer’s Guide and the insurance contract before you buy.

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Insurance products only. Not securities or investment advice. TX #901162 · NPN 558629.

Jeffrey Scott McLeod, LUTC — Licensed insurance producer. Texas license 901162. Arkansas / National Producer Number 558629. Insurance products only; not securities or investment advisory services.
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