Direct answer
It depends on the annuity’s specific contract anniversary date, as most indexed annuities credit interest based on the contract year starting from your purchase date rather than the calendar year.
Product disclosure statements and technical policy illustrations for indexed annuity interest crediting methodologies. For additional information about annuity interest crediting and consumer protections, see the National Association of Insurance Commissioners‘ resources on annuities.
What this means for you
It depends on the annuity’s specific contract anniversary date, as most indexed annuities credit interest based on the contract year starting from your purchase date rather than the calendar year.
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