Please help!

1. Assuming the stock market jumps 15% last year, which equity-indexed annuity indexing method allows for the annuitant to accrue the most benefit?

Uppity-up

Point-to-point

High watermark

Ratcheting

2. Which of the following statements concerning fixed annuities is correct?

They can provide a life income that will be protected from inflation.

They allow an owner to select among investment options.

They require the insurer to assume the investment risk.

They provide for investment of premiums in separate accounts.