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+ 3.00% 70% 6.10% 7.25% 75% 18 - 75 - 3.75%
76 - 85 - 2.75%
86 - 89 - 1.75%
$10K -$99.9K 2.85% 65% 5.85% 7.00% 70%

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:

This product accepts a single purchase payment for non-qualified, traditional 403(b), Roth 403(b), traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Inherited IRA, Inherited non-qualified and 457 plan funds. Additional purchase payments allowed during the first two months of the contract only. Terms begin only on the 6th and 20th of each month. Purchase payments received prior to the beginning of a term will be held in the purchase payment account until the beginning of the next term.

Additional purchase payments have their own interest crediting terms.

Minimum: Initial : $10,000; additional purchase payments: $2,000
Maximum: $1 million for ages 0-75; $750,000 76-80, $500,000 81+.

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:

5 Year With MVA (NO MVA in AK, CA, PA, UT and VA)
9% Year 1
8% Year 2
7% Year 3
6% Year 4
5% Year 5
0% Thereafter - 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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