How Safe Are Indexed Annuities? 
Annuities are only as safe as the company issuing the contract . While indexed annuities dont debit the account values in negative performing years , the do have policy expenses that in a non-crediting year could generate a negative return . But many -LRB- not all -RRB- indexed annuities have guaranteed provisions that protect against loss if you hold the policy for the contractual period . Before purchasing the policy always determine what the guaranteed provisions are in the contract . 