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RILA directory · CANNEX data
Registered index-linked annuities trade some market upside for a stated buffer or floor against losses. Compare segments like-for-like and see what that trade can mean.
Buffer
Absorbs the first portion of an index decline
Floor
Defines the maximum segment loss
Cap
Limits the credited upside
Participation
Applies a stated share of index gains
The distinction that matters
Both limit downside in different ways. That is why they never share one leaderboard. This example assumes the index falls 25%.
A 10% buffer absorbs the first 10 points of decline. You lose the remaining 15 points in this example.
Index falls −25% · 10% buffer
Best when: you expect typical corrections and want those declines absorbed before losses begin.
A −10% floor means you absorb up to the first 10 points of decline and no more. The segment's maximum loss is defined at the start.
Index falls −25% · −10% floor
Best when: you want a defined worst-case segment loss even in a severe market decline.
product coverage
Open a carrier to inspect its products, full strategy menu, state availability, and disclosures.
Independent analysis
Go beyond the live product directory with contract-specific analysis of rates, caps, buffers, floors, fees, income features, and tradeoffs.
Know before you compare
Buffers and floors limit or define downside exposure—they do not guarantee that contract value cannot decline. Reviewing an annual statement? Run the free statement-figure checkup.
Market activity
Pacific Life Insurance Company - Removed: Buffer, Cap rate, Participation rate, Strategy guarantee · 10.00%–800.00% · 6-year term. Added: Buffer, Cap rate, Declared rate, Fixed rate, Participation rate, Strategy guarantee · 0.00%–100.00% · 1-year term.
Equitable Financial Life Insurance Company of America - Death benefit fee returned at 0.75%
Equitable Financial Life Insurance Company of America - Death benefit fee rate added at 0.25%
Midland National Life Insurance Company - Removed: Buffer, Cap rate, Floor, Participation rate, Strategy guarantee · 5.00%–250.00% · 1-year term, 3-year term, 6-year term. Added: Buffer, Declared rate, Participation rate, Strategy guarantee · 2.00%–100.00% · 1-year term.
Source: CANNEX daily refresh. RILA movements can reflect protection levels, caps, participation rates, additions, or removals; compare only within the same protection structure and segment term.
RILA FAQs
Yes. A RILA can lose value when an index decline exceeds a buffer, or up to the selected floor, under the contract terms. It is not a principal-protected FIA—that tradeoff can support higher caps and participation rates.
A buffer absorbs the first stated portion of a decline; you take what is beyond it. A floor works in the opposite order: you take the first portion, and your loss stops at the stated amount. Because these mechanics are opposites, they never share one ranking on this page.
No. A cap only limits credited upside. Actual results depend on index performance, participation rates, segment terms, fees, and the downside protection selected.
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