EIA Monthly Average Index Crediting Solver

Underwrite monthly average crediting structures that smooth volatile equity indices by averaging 12 monthly index values, protecting growth gains from end-of-year market crashes.

Annuity Principal & Participation

Initial Annuity Premium Invested ($ USD)

Contractual Index Participation Rate (% - e.g. 110%)

Smoothed 10-Year Index Annual Average Return (% - e.g. 7.5%)

10-Year Compounding & Floor Protection

10-Year Protected Ending Account Value

$994,500 Protected Balance

Total Protected Interest Earned (0% Downside Losses)

+$544,500 Interest Credited

Effective 10-Year Annualized CAGR

8.25% Annualized Net CAGR