Fixed Indexed Annuity

Declared rate S&P 500 Risk Control 10% Annual Point-to-Point (Participation) S&P 500 annual point-to-point with cap S&P 500 monthly sum with cap iShares® U.S. Real Estate annual point-to-point with cap GLD annual point-to-point with cap S&P U.S. Retiree Spending annual point-to-point with par. rate Commission
2.85% 65% 6.10% 2.25% 7.00% 6.50% 70% 18 - 75 - 4.75%
76 - 85 - 2.75%
86 - 89 - 2.75%

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:

▪▪ Single and flexible purchase payments
▪▪ All purchase payments are paid into purchase payment account, then moved into interest strategies at the start of the next term. Terms begin only on the 6th and 20th of each month.
▪▪ Minimum: $10,000 | Subsequent: $2,000
Maximum: $1 million for ages 0-75,
$750,000 for ages 76-80, $500,000 for ages 81+

Riders & waivers:

▪▪ Extended Care Waiver– 100% account value when criteria met
▪▪ Terminal Illness Waiver – 100% account value when criteria met
▪▪ Inheritance EnhancerSM – Death benefit rider
▪▪ IncomeSecureSM – Income rider
▪▪ IncomeSustainer® Plus – Income and death benefit rider
Not Available in All states

GMSV: Guaranteed Minimum
Surrender Value:

100% of purchase payments, plus interest credited daily at a minimum guaranteed rate of 1%, less withdrawals (other than rider charges) and any applicable early
withdrawal charges and less an amount equal to the applicable early withdrawal charge rate multiplied by the account value

State Not Approved:


Early withdrawal charges
Seven-year declining:

9% 8% 7% 6% 5% 4% 3% 0% - No MVA

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

Death benefit:

Full Death Benefit - Greater of the account value or GMSV

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