Before revision:  Anyway , GMWB are long term products and thus accounting for stochastic interest rate has a relevant impact on both the financial evaluation and the policy holder behavior, as observed by Gouden\`ege et al.  . In this paper we investigate the impact of these two elements together on GMWB evaluation.
After revision:  Anyway , GMWB are long term products and thus accounting for stochastic interest rate has a relevant impact on both the financial evaluation and the policy holder behavior, as observed by Gouden\`ege et al. . In this paper we investigate the outcomes of these two elements together on GMWB evaluation.