Fixed vs Indexed Annuities | Connecticut

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Both fixed and indexed annuities protect your principal and offer tax-deferred growth. Learn the key differences to make the right choice for your retirement.

Last updated: January 2026 | Written by licensed CT insurance professionals

Fixed Annuity

Guaranteed interest rate for a set period. Simple, predictable, and safe.

Indexed Annuity

Interest linked to market index with principal protection. Growth potential without market risk.

Side-by-Side Comparison

Understanding Indexed Annuity Terms

Participation Rate

Percentage of index gain credited to your account. 80% participation means you get 80% of the index return.

Cap Rate

Maximum interest credited regardless of index performance. A 6% cap limits your gain to 6% even if the index rises 15%.

Floor

Minimum interest credited, typically 0%. Your principal is protected even when the index loses value.

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Related Annuity Resources

Complete Connecticut annuities overview

Understanding annuity withdrawal penalties

Detailed fixed annuity information

Detailed indexed annuity information

Content reviewed by Antonucci, Joseph, CT Licensed Insurance Producer #21658409

Annuity comparisons are for educational purposes. Actual rates, caps, and participation rates vary by carrier and product. Consult a licensed advisor for personalized recommendations.

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