How Do Annuities Make Money? 
There are a variety of annuity crediting methods available with annuities . Product suitability for each annuity is necessary to match up to the personal financial profile of the prospects risk tolerance , financial goals . Crediting methods include interest rates , indices -LRB- both domestic and foreign -RRB- and separate sub accounts that use market equity and bond instruments variable annuities , which are classified as securities . 