A computerized method of providing an investment product that determines a provisional payment amount based upon investment returns. The provisional payment amount is compared to a payment cap and a payment floor. An actual payment amount is set as the provisional payment amount if the provisional payment amount is between the payment floor and the payment cap. The actual payment amount is set as the payment cap if the provisional payment amount is above the payment cap, or at the payment floor if the provisional payment is below the payment floor. The difference between the provisional payment amount and the payment cap or the payment floor is added to or subtracted from an individual bank value account. A cash surrender value is provided when the total of the payments made is less than an initial investment amount. A death benefit is provided that includes a balance of the individual bank value account and the cash surrender value.