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October 1, 2023 at 10:35 AM. A man researching his participating rate. The participation rate in an annuity refers to the percentage of the index’s return an insurance company credits to the ...
It guarantees a minimum interest rate (typically between 1% and 3%) if held to the end of the surrender term and protects against a loss of principal. An equity index annuity is a contract with an insurance or annuity company.