Method and system for providing a fixed rate annuity with a lock-in interest rate feature
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United States of America Patent
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May 17, 2011
Grant Date -
Mar 5, 2009
app pub date -
Oct 31, 2008
filing date -
Apr 16, 2007
priority date (Note) -
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status (Latency Note)
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Abstract
A data processing method and system administers a deferred annuity contract during the accumulation phase of a contract term. The system stores an account value and a guaranteed rate of interest on the account value. The system may credit an interest rate which is reset periodically (reset rate). The system is configured for changing from the reset rate to the guaranteed rate, when the reset rate falls below the guaranteed rate.
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