5 Year Fixed Indexed Annuity
MANY CREDITING METHODS - 800-373-9697

Premium Declared Rate S&P 500 Risk Control annual point-to-point with par. rate S&P 500 annual point-to-point with cap iShares® U.S. Real Estate annual point-to-point with cap S&P U.S. Retiree Spending annual point-to-point with par. rate Commission:
$100,000+ 2.25% 65% 5.25% 6.00% 70% 18 - 75 - 3.75%
76 - 80 - 2.75%
86 - 89 - 1.75%
$10K -$99.9K 2.10% 60% 5.00% 5.75% 60%

Rates slightly lower in AK, CA, PA, UT and VA

Issue Ages:

Qualified: 18-85 | Non-qualified: 0-85 | Inherited IRA: 18-75 | Inherited non-qualified: 0-75

Tax qualifications:

Non-qualified & qualified: 403(b) (traditional and Roth), IRA (traditional, Roth, SEP, SIMPLE and Inherited), 457(b) and inherited non-qualified

Purchase payments:

You can purchase this annuity with an initial purchase payment of $10,000 or more. You can add to your annuity during the first two contract months with additional purchase payments of at least $2,000

Riders & waivers:

Extended care waiver rider: After the first contract year, if you are
confined to a nursing home or long-term care facility for at least 90
consecutive days, you have the option to withdraw up to 100% of the
account value without incurring an early withdrawal charge.

Terminal illness waiver rider: After the first contract year, if you are
diagnosed by a physician as having a terminal illness, you have the
option to withdraw up to 100% of the account value without incurring
an early withdrawal charge. A terminal illness is defined as having
a prognosis of survival of 12 months or less, or a longer period as
required by state law.

GMSV: Guaranteed Minimum
Surrender Value:

The Guaranteed Minimum Surrender Value (GMSV). The GMSV is based on 87.5% of your purchase payments, plus interest credited daily at a guaranteed minimum interest rate of 1.00%.

Early withdrawal charges
Five-year declining:

9% 8% 7% 6% 5% 0% - With MVA
NO MVA in AK, CA, PA, UT and VA

State Not Approved:

NY

Penalty-free withdrawals:

▪▪ During first contract year, 10% of purchase payments
▪▪ After first contract anniversary, 10% of the sum of the account value as of the most recent
contract anniversary and any purchase payments received since

Income payout options:

Fixed period: You receive income benefit payments for a fixed period
of time that you select.
Life or life with a minimum fixed period: You receive income benefit
payments for life. If you select a minimum fixed period of time and
pass away before the end of the period, the remaining income benefit
payments are paid to the person you designate.
Joint and one-half survivor: Income benefit payments are guaranteed
for your life and the life of a designated joint annuitant. If you are
survived by the joint annuitant, he or she will receive 50% of the income
benefit payment for life.

Death benefit:

Full Death Benefit - Greater of the account value or GMSV

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