An annuity product linked to a market-related rate of return is called:

Fixed annuities offer guaranteed returns that do not vary with market performance, providing stability and predictability in income. Unlike indexed annuities, where returns are linked to market indices, fixed annuities rely on predetermined interest rates, which do not fluctuate in response to market conditions.

Deferred annuities are investment products that accumulate value over time before any payouts begin, but they can be either fixed, variable, or indexed. The term does not specifically indicate a link to market-related returns, as the return profile can vary significantly based on the type of deferred annuity chosen.

Tax-sheltered annuities primarily refer to certain retirement plans that offer tax advantages rather than linking returns to market performance. While they can be structured as fixed or variable products, this option does not inherently denote market-related returns, making it distinct from indexed annuities.