第一，index annuity's 推銷靠的是hypothetical value。那是靠以前十年的股市預測以後十年，誰知道他們的hypothetical 到底是不是過於樂觀。
第二，注意看death benefit，如果保戶死了，遺孀/後代到底能拿回來多少。
see：
Death benefit：
Prior to annuitization, Allianz Benefit Control® Annuity gives you two death benefit options. Your beneficiary(ies) can receive the greater of the accumulation value, guaranteed minimum value, or cumulative withdrawal amount as a lump sum (this option doesn't include any premium or interest bonuses). Or, they can receive the Protected Income Value – including the premium and interest bonuses – in payments over a minimum of five years, limited to 250% of the accumulation value (PIV death benefit limit can vary by state).
那麽這個death benefit的數據在你經紀給你的數據裏麵是有的，但是那些數據是hypothetical，即使你把所有數據存到spreadsheet裏麵，把death benefit 和 每年累計的withdrawal都算好，那個最後的數據也不一定是你將來拿的數字。
所以這個保單是否值得保，根本說不清楚。
