If you could have a product which allowed you to have the potential of stock market type of returns without any stock market risk would this be of interest to you? So in other words if you could capture some of the upside potential of the stock market on not have any of the down side or declines of the market would this type of product be of interest? This is exactly how a Fixed Index Annuity works. It provides the ability of the annuity owner to receive a higher rate of return when the market does well but not suffer any value decease when the market goes down.
A Fixed Index Annuity has guaranteed return of principle as well as protection of all interest earned along the way.