Total Return Strategy Annuities
The Total Return Strategy is unlike the usual crediting rate methods in the industry today:
Unlike variable products, the Total Return Strategy does not put premium at risk.
Unlike traditional fixed annuities, the return and crediting rates are NOT at the complete discretion of the insurance carrier.
When all is said and done, the returns and crediting rates are based on the total return of the carrier’s general account assets, less fixed fees, with NO CAPS and NO LIMITED PARTICIPATION RATES.