Who Bears All Of The Investment Risk In A Fixed Annuity? 
That is a great question ! One of the main reasons fixed annuities have been an investment favorite is that between the guarantees and the known rate of return there is very little risk for investors . Because the rate is guaranteed , the whole risk is borne by the insurance company , and not you . The sum total of your risk is in whether the rate paid is better than what you may have made in another form of investment . This is a very safe investment , and I 'm glad you asked ! Thanks ! 