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Rates are based on index movements starting ten years ago on the previous business day stated on this report, moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Past performance or hypothetical back testing results are not indicative of future performance. Crediting methods represented in this report may not be available in all states. Products, rates, and bonuses mentioned may vary by state. Users should confirm state-specific details with the carrier or a licensed representative.
The carrier(s) (insurance company/companies) listed on this report do not represent, nor claim any assistance with the methods used, the data used, or the calculations used for the data in this report. Rates are dynamically calculated based on applicable premium bands and bonuses, which may vary by annuitant age, state approval, and other factors. Some indexes use hypothetical back testing to achieve the ten years of performance.

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