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Judy purchased a fixed annuity under which interest during the accumulation period is credited based on the insurer's periodic interest rate declaration. Based on this

Judy purchased a fixed annuity under which interest during the accumulation period is credited based on the insurer's periodic interest rate declaration. Based on this information, what annuity type has Judy purchased?
a. immediate annuity
b. indexed annuity.
c. market value adjusted annuity
d. declared rate annuity
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