Patent ID: 8095397

Claim:
A computer system configured to manage an annuity product, the computer system method comprising: one or more processors wherein the one or more processors are configured to: receive an indication of an index; associate the indication of the index with a guarantee of investment return for an investment account, wherein the index is external to the investment account and indicates a representation of value of securities constituting the index; receive an initial value for the investment account; receive an indication of a term indicating an investment period; receive an indication of conforming investment option parameters for the investment account corresponding to the term; periodically receive investment allocations for the investment account from an account owner; alter investment allocations for the investment account during the defined term if the investment allocations do not conform to the investment option parameters; and calculate, on the one or more processors, a guaranteed minimum accumulation benefit for the investment account over the term wherein the guaranteed minimum accumulation benefit is calculated using a guarantee percentage increase and the guarantee percentage increase is based at least in part on the index and the investment option parameters.