The Basics

Introduction | Regulation | Annuity Rates | Crediting Methods | History | Glossary

Crediting Methods

Point-to-Point Methods

  • Annual Point-to-Point
  • Two-Year Point-to-Point
  • Term End Point
  • Point-to-Point with Low Watermark Features
  • Point-to-Point with High Watermark Features

Averaging Methods

  • Monthly Point-to-Point
  • Quarterly Point-to-Point
  • Monthly Averaging
  • Rolling Monthly Averaging
  • Daily Averaging

Fixed Methods

  • Fixed
  • Fixed Rate with an Equity Kicker
  • Fixed with Multi-Year Guarantee
  • Performance Triggered

Other Methods

  • Declared Rate/Equity Blend
  • Multi-Index and Rainbow crediting methods (a subset)