What Are Bonus Annuities? 
Tax deferred annuities have differing crediting methods : interest rate crediting , indexed crediting and separate sub account crediting and debiting , i.e. you could lose money . But in addition to crediting methods , some annuities actually credited a one year bonus at the beginning of the terms of the annuity . That bonus is generally applicable for the guaranteed income rider or vested over the contract period of the annuity . 