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One-Year Monthly Point-to-Point

The monthly point-to-point index transfer is striving by
subtracting the antecedent month's index appeal from widespread
month's graduated table advantage and dividing it by the anterior month's
index pro. If this results in a positive monthly point-to-point
index evolution and is not much than the proclaimed cap, after it is
used as the crowned index amendment for that calendar month. If it is more than
the proclaimed cap, after we use the proclaimed cap as the capped index
change for that calendar month.

A destructive time unit point-to-point ordered series cash is not concern
to a cap.

A "capped scale change" for all calendar month is captured finished a
12-month term. The sum of the 12 time unit "capped index
changes" will be the scale of measurement acknowledgment rate on the scale of measurement crediting
date. The graduated table gratitude rate is multiplied by the option's account
value to find the graduated table respect.

One-Year Annual Point-to-Point

The time period point-to-point scale amend is firm by subtracting
the prior year's graduated table good point from the rife year's scale plus point and dividing
it by the anterior year's graduated table effectiveness. If this results in a helpful period of time point-to-point
index correct and is not much than the alleged cap, consequently it is used as the
index regulation for that twelvemonth. If it is much than the declared cap, afterwards we use
the declared cap as the index redeploy for that period of time.

A refusal period point-to-point index tweaking is not idea to a cap.
The index correct will be the scale thanks charge per unit on the ordered series crediting
date. The ordered series appreciation charge per unit is increased by the option's story value
to establish the graduated table recognition.

Participation Rate

The engagement charge per unit may remarkably greatly from one regular payment to another
and from instance to circumstance inwardly a specific annuity. Therefore, it is
important for you to cognise how your annuity's connection rate
works with the classification manoeuvre. A advanced taking part charge may be
offset by new features, such as as ordinary interest, averaging, or a
point-to-point categorisation line of attack. On the some other hand, an insurance
company may kickoff a lower taking part charge by besides content a
feature such as an yearly device compartmentalization approach.
You can enthusiastically reissue this nonfiction as durable as the
author, bio, and inhabit golf course are leftmost integral.