Participation rate
Determines how much of an index gain is included in the crediting formula.
Guardian Life & Wealth
Fixed index annuities
Combine index-linked crediting with contract guarantees
Fixed index annuities credit interest using a market index formula without directly investing contract value in the index.
Index-linked creditingCombine index-linked crediting with contract guarantees
What drives credited interest
Cap or spread
May limit the amount of an index gain credited to the contract.
Floor
Contract terms may define a minimum crediting result for the selected strategy, subject to all conditions.
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Educational content only. Insurance products, underwriting, premiums, contract provisions, exclusions, riders, availability, and guarantees vary by carrier, product, state, and applicant. Guarantees depend on the claims-paying ability of the issuing insurer.