Is An Indexed Annuity A Fixed Annuity? 
Is an indexed annuity a fixed annuity ? No , not usually unless provisions exist within the indexed annuity to mimic a fixed annuity . With a fixed annuity you 're provided a set interest rate for the year from the insurance company . It is up to the company to come through as they 've committed themselves for that outcome . An index annuity on the other hand , has potential for a variety of returns established by the policy owner . A return could be as high as 10 % for a year or zero percentage based on how the individual creates the policy . 