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For an indexed annuity, what is credited to the contract at the end of each interest crediting term? a . the index interest rate b

For an indexed annuity, what is credited to the contract at the end of each interest crediting term?
a. the index interest rate
b. the minimum guaranteed interest rate
c. the index interest rate or the minimum guaranteed interest rate, whichever is greater
d. the index interest rate or the minimum guaranteed interest rate, whichever is less
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