Which Annuities Are Safe? 
An annuity policy is only as safe as the annuity company 's financial strength and ability to pay the benefits of the contract . so financial stability and strength is important . There are generally three crediting methods used in tax deferred annuities : interest rate crediting , indexed crediting and separate sub account crediting -LRB- or debiting . -RRB- The safer of the three is guaranteed fixed interest rate annuities . 