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HEDGENESS IQ RATING METHODOLOGY:
Hedgeness IQ Rating is based on a ratio that quantifies the relationship between benefit and expense.
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​The higher the benefit to expense ratio, the more valuable is the interplay between expenses and income benefits as applied to income distributions.
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EXPENSE: 
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Expense for each product is the summation of the following fees: mortality & expense & administrative fees (M&E&A), sub-account investment management fees (fund fees), and benefit rider fees.
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 BENEFIT: 
 
Benefit is a number derived by calculating the cost to insure each product’s guaranteed income benefits by purchasing derivatives and then applying relevant weightage factors.  
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