The index strategies of fixed indexed annuities credit interest are based in part on the change in a market index. An investment cannot be made directly into an index. Indexed annuities do not directly participate in any stock or equity investments. When included in a fixed indexed annuity with the protection of a 0% floor, the benefit of reduced downside will not be realized for index returns below 0%. The 0% floor provided by an indexed annuity ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. This means that premiums paid, and interest earned will not be reduced by market volatility. Guarantees are dependent upon the claims-paying ability of the issuing company. Riders may be optional, available at additional cost, and may not be available on all products or in all states. Assuming no withdrawals made during the surrender charge period and no rider charges. Rider charges continue to be deducted regardless of whether interest is credited. This is not a solicitation of any specific annuity contract.