第一，index annuity's 推销靠的是hypothetical value。那是靠以前十年的股市预测以后十年，谁知道他们的hypothetical 到底是不是过于乐观。
第二，注意看death benefit，如果保户死了，遗孀/后代到底能拿回来多少。
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).
那么这个death benefit的数据在你经纪给你的数据里面是有的，但是那些数据是hypothetical，即使你把所有数据存到spreadsheet里面，把death benefit 和 每年累计的withdrawal都算好，那个最后的数据也不一定是你将来拿的数字。
所以这个保单是否值得保，根本说不清楚。
