What Is Fixed Indexed Annuities? 
Fixed Indexed Annuities are tax deferred annuities that feature domestic and foreign indices with three crediting methods : rate spreads , rate caps and participation rates . Interestingly enough , these three methodologies appear to coalesce after ten years . Indexed annuities never credit less than zero , but keep in mind that annual policy expenses are still deducted from the premium , so there could be a loss in any one year during the surrender period . 