1. What is the guaranteed minimum interest rate?
2. What charges, if any, are deducted from my premium?
3. What charges, if any, are deducted from my contract value?
4. How long is the term?
5. What is the participation rate?
6. For how long is the participation rate guaranteed?
7. Is there a minimum participation rate?
8. Does my contract have a cap?
9. Is averaging used? How does it work?
10. Is interest compounded during a term?
11. Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate?
12. Which indexing method is used in my contract?
13. What are the surrender charges or penalties if I want to end my contract early and take out all of my money?
14. Can I get a partial withdrawal without paying charges or losing interest? Does my contract have vesting?
15. Does my annuity waive withdrawal charges if I am confined to a nursing home or diagnosed with a terminal illness?
16. What annuity income payment options do I have?
17. What is the death benefit?

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