Annuity guaranteed rate disclosure is the explanation, often in both the contract and marketing materials, of the minimum interest rates or guarantee levels that an annuity will provide regardless of future market conditions. Disclosures specify guaranteed minimum interest rates, income benefit bases, death benefit floors, or roll-up rates, clarifying how long guarantees last and under what conditions they apply. They also distinguish between guarantees and non-guaranteed elements such as current rates, caps, and participation levels. Clear guaranteed rate disclosures are critical for preventing misunderstandings and satisfying regulatory requirements for fair and balanced communications.

Advisors use annuity guaranteed rate disclosures when presenting products, highlighting what is truly guaranteed by the insurer versus what is subject to change. They review disclosure tables with clients to show minimum crediting rates, guaranteed roll-up percentages, or benefit floors, and they make sure clients do not confuse best-case illustrations with contractual guarantees. Compliance departments scrutinize marketing pieces to ensure guaranteed language matches contract provisions and is not exaggerated. Understanding annuity guaranteed rate disclosure helps advisors communicate confidently and accurately, reinforcing that guarantees depend on the insurerTMs claims-paying ability and are limited to specific contract terms.