The assets of a life insurer's general account provide the backing for all of the following policies EXCEPT

Fixed annuities guarantee a specific rate of return over a set period, making them dependent on the insurer's ability to generate stable returns from the general account investments. The accumulated funds in the general account secure the promised payouts for fixed annuity holders.

Indexed annuities offer returns based on the performance of a specific financial index, providing policyholders with the opportunity to benefit from market gains while being shielded from market losses. The insurer's general account assets support the guarantees and crediting methods associated with indexed annuities.

Market-value adjusted annuities adjust the account value based on changes in prevailing interest rates, ensuring that policyholders receive competitive returns reflective of market conditions. These annuities rely on the insurer's general account stability to facilitate interest rate adjustments and maintain policyholder benefits.