Annuity glossary
Participation Rate
The share of an index's gain that counts toward your credited interest in an indexed annuity or IUL policy. If your contract participates in only part of the index's rise, your interest reflects that smaller portion. Like caps, participation rates are declared by the insurer and can change at each renewal period. The contract explains the exact calculation period, limits, charges, and renewal terms that apply.
Any guarantee is backed by the claims-paying ability of the issuing insurer.
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