How to Read an Index Chart Like this:

1) Take the Current Rate, Cap Offered

2) Measure it Against the Historical Market Data of Actual Yields

3) The Result is What the Account Would Have Yielded Had the Current Rate Been in Force for the Entire Duration of the Historical Data.

4) But Remember, the Current Rate HAS NOT BEEN in force for the entire historical record.

5) So, how are these charts valid?

6) Because IF the Market performs historically, these yields are possible.

7) The Insurer can RAISE or LOWER the rates in these types of plans depending upon conditions.

8) Who is this type of contract for?

9) Risk Averse Investors who want to participate in the market, but want downside protection and other benefits like income riders, long term care riders and death benefit riders.