METHODS AND SYSTEMS FOR STABILIZING REVENUE DERIVED FROM VARIABLE ANNUITIES REGARDLESS OF MARKET CONDITIONS

摘要

The present invention provides methods and systems for stabilizing revenue derived by a variable annuity provider from variable annuities having a mortality and expense fee computed based on at least one variable that is not directly affected by market conditions, e.g., the annuity premium or a portion thereof, such as the premium that has been paid, or the premium that has been paid and invested in one or more investment divisions available to an annuity owner. The mortality and expense fee may also account for any withdrawals paid out of and disbursements made from the premium paid accordingly. The mortality and expense fee generally funds at least in part a risk associated with an annuity death benefit, such as a return of premium that has been paid death benefit.