Growth Pathway 5 Rate & Reviews

Growth Pathway 5

Growth Pathway Fixed Index Annuity is an insurance product that offers protection for your money against a market downturn—with the opportunity for it to capture gains. It enables you to earn interest based on the performance of a specific market index, or a combination of indexes.

Market Downside Protection – Your gains are locked in each year, meaning you can’t lose any of your payments or any credited interest due to market downturns or sudden market swings.
Tax-deferred growth – You’ll have access to crediting strategies to help your money grow - four index options and one fixed account option. You can diversify your annuity by choosing one or a combination of strategies. And you won’t pay taxes on gains until you withdraw them. And the combination of compounded gains and a potentially lower tax bracket after you retire can help make your retirement savings go farther.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.15% Fixed
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate	Point to Point Annual	95% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate	Point to Point Annual	90% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate	Point to Point Annual	85% Participation
1-Year S&P 500 PTP Participation Rate with Spread	Point to Point Annual	35% Participation 2% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	25% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	6.5% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	5.25% Performance triggered
1-Year Fixed Account	Fixed	3.65% Fixed
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate	Point to Point Annual	135% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate	Point to Point Annual	130% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate	Point to Point Annual	125% Participation
1-Year S&P 500 PTP Participation Rate with Spread	Point to Point Annual	40% Participation 2% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	30% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8.75% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7.25% Performance triggered
1-Year Fixed Account	Fixed	3.9% Fixed
1-Year RBA Select Equity Yield CIBC 5% PTP Participation Rate	Point to Point Annual	150% Participation
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate	Point to Point Annual	145% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate	Point to Point Annual	135% Participation
1-Year S&P 500 PTP Participation Rate with Spread	Point to Point Annual	45% Participation 2% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	32% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.75% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	8% Performance triggered

Surrender schedule

Year	1	2	3	4	5
Penalty	9%	8%	7%	6%	5%