Abstract: The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for an enhanced free partial withdrawal equity-indexed deposit product, including: generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ci for the set of equity-indexed crediting parameters C; generating a set of trial values for a T?i and a Wi for each scenario; calculating corresponding values for an A for each scenario; calculating an observed distribution D of profitability using the scenarios; comparing D with an R; and, in response to comparing, computing a revised trial value Ci+1 for C, where the steps of setting, generating, calculating values for A, calculating D, and comparing are performed by at least one general-purpose computer specially programmed to perform the steps of setting, generating, calculating values for A, calculating D, and comparing.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters I for an enhanced minimum death benefit guarantee equity-indexed deposit product also having a rider charge C, an enhanced minimum death benefit rollup percentage E, a set of profitability requirements R, a principal amount P, and an account value A, with C, E, R, P, A, and I determined at the time of product purchase. The method includes the steps of generating a set of yield curve and equity index scenarios consistent with valuation parameters, setting a trial value Ij for I for said product, calculating the observed distribution D of profitability using the equity index scenarios, comparing D with R, and computing a revised trial value Ij+1 for I for the product.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters E for a lifetime-income equity-indexed deposit product provided to a set of owners having a set of dates of birth B, a rider charge C, a lifetime income percentage scale L, a set of profitability requirements R, a principal amount P, and an account value A. The method can include the steps of: establishing the values of C, L, R, P, A and E at a time when said deposit product is purchased; generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ei for E; calculating the observed distribution D of profitability; comparing D with R; and, computing a revised trial value Ei+1 for E, where the steps of establishing, generating, setting, calculating, comparing, and computing are performed by at least one general purpose computer.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters E for a lifetime-income equity-indexed deposit product provided to a set of owners having a set of dates of birth B, a rider charge C, a lifetime income percentage scale L, a set of profitability requirements R, a principal amount P, and an account value A. The method can include the steps of: establishing the values of C, L, R, P, A and E at a time when said deposit product is purchased; generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ei for E; calculating the observed distribution D of profitability; comparing D with R; and, computing a revised trial value Ei+1 for E, where the steps of establishing, generating, setting, calculating, comparing, and computing are performed by at least one general purpose computer.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters E for a lifetime-income equity-indexed deposit product provided to a set of owners having a set of dates of birth B, a rider charge C, a lifetime income percentage scale L, a set of profitability requirements R, a principal amount P, and an account value A. The method can include the steps of: establishing the values of C, L, R, P, A and E at a time when said deposit product is purchased; generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ei for E; calculating the observed distribution D of profitability; comparing D with R; and, computing a revised trial value Ei+1 for E, where the steps of establishing, generating, setting, calculating, comparing, and computing are performed by at least one general purpose computer.

Abstract: The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for a selectable-term equity-indexed deposit product also having a set of profitability requirements R, a principal amount P, an account value A, a maximum term T, a set of lock-in formulas F, a selected term T?, an immediate credit I, and a guaranteed rate G, with R, P, A, T, C, and F determined at the time of product purchase and T? <=T determined by the purchaser after the time of purchase and I and G determined by the seller at T? according to the set of formulas F, with the immediate credit I being added to the account value A at time T? and interest being credited to the account value A at the rate G from time T? to time T.

Abstract: The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for a selectable-term equity-indexed deposit product also having a set of profitability requirements R, a principal amount P, an account value A, a maximum term T, a set of lock-in formulas F, a selected term T?, an immediate credit I, and a guaranteed rate G, with R, P, A, T, C, and F determined at the time of product purchase and T?<=T determined by the purchaser after the time of purchase and I and G determined by the seller at T? according to the set of formulas F, with the immediate credit I being added to the account value A at time T? and interest being credited to the account value A at the rate G from time T? to time T.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters E for a lifetime-income equity-indexed deposit product provided to a set of owners having a set of dates of birth B, a rider charge C, a lifetime income percentage scale L, a set of profitability requirements R, a principal amount P, and an account value A. The method can include the steps of: establishing the values of C, L, R, P, A and E at a time when said deposit product is purchased; generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ei for E; calculating the observed distribution D of profitability; comparing D with R; and, computing a revised trial value Ei+1 for E, where the steps of establishing, generating, setting, calculating, comparing, and computing are performed by at least one general purpose computer.

Abstract: A computer-based method for determining a set of equity-indexed crediting parameters E for a lifetime-income equity-indexed deposit product provided to a set of owners having a set of dates of birth B, a rider charge C, a lifetime income percentage scale L, a set of profitability requirements R, a principal amount P, and an account value A. The method can include the steps of: establishing the values of C, L, R, P, A and E at a time when said deposit product is purchased; generating a set of yield curve and equity index scenarios consistent with valuation parameters; setting a trial value Ei for E; calculating the observed distribution D of profitability; comparing D with R; and, computing a revised trial value Ei+1 for E, where the steps of establishing, generating, setting, calculating, comparing, and computing are performed by at least one general purpose computer.