Explore the significant role of index crediting in income-focused annuity cases in this episode. We delve into why, while income remains the primary concern, the choice of index crediting strategies can be crucial. Learn how these decisions impact the account value, which is essential not just for maintaining the principal but also for benefits tied to the account value, like long-term care enhancements and death benefits. We'll also discuss how these factors influence client discussions during annual reviews, referrals, and overall satisfaction. Join us as we break down how selecting the right indices involves a strategic blend of the index characteristics, crediting methods, and current rates.