What Are Indexed Annuities? 
Tax deferred indexed annuities can have access to domestic and foreign indices which have the potential to generate returns without the losing money based on negative performance . However , like all savings and investment vehicles , annuities have policy expenses , so you could experience a loss in a non crediting year . Indexed annuities have three crediting methods : spread , caps and participating . The most popular indice is the S&P 500 . One last point : indexed annuities owners generally dont participate in dividends . 