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.