Direct answer
No, you generally cannot lose your principal due to market downturns because the annuity’s value is linked to market indexes but protected by a floor, usually set at zero percent. However, it depends on specific contract terms like surrender charges and fees, which could reduce your total account value if you withdraw funds early.
Standard annuity contract provisions and state insurance department non-forfeiture law disclosures. For additional information about annuity regulations and consumer protections, see the National Association of Insurance Commissioners‘ resource center.
What this means for you
No, you generally cannot lose your principal due to market downturns because the annuity’s value is linked to market indexes but protected by a floor, usually set at zero percent. However, it depends on specific contract terms like surrender charges and fees, which could reduce your total account value if you withdraw funds early.
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This page is informational and not a coverage guarantee or quote.