1. A method of adjusting a value of a life insurance policy comprising: (i) defining a point-to-point return for at least two indices over a predefined period once the predefined period has ended; (ii) determining a best performing index (Index 1) and a second best performing index (Index 2) by comparing the point-to-point returns of the two or more indices; (iii) calculating an adjusted index return by adding a first weighted percentage of the value of the Index 1 return to a second weighted percentage of the value of the Index 2 return, wherein the first weighted percentage is greater than 50%, the second weighted percentage is equal to 100% minus the first weighted percentage; (iv) calculating an indexed interest rate based upon the adjusted indexed return; and (v) applying the indexed interest rate to the value of the life insurance policy after the predetermined period has ended when the indexed interest rate is greater than zero; wherein at least one of steps (i)-(v) is performed by employing a processor to execute computer executable instructions stored on a tangible computer-readable medium.