Question 13 (5 points) Which of the following statements regarding a fixed indexed annuity is (are) true? (Check all that apply.) Some indexed annuities guarantee a minimum accumulation value regardless of stock market returns. Premiums paid by the annuitant are invested directly in stock or bond funds. Annuity payments are tied directly to the performance of an underlying stock or bond fund in which the premiums are invested. The annuity account balance goes up when the stock market increases but also incurs losses as the stock market declines