ForeAccumulation II 5 Advisory
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Highlights
ForeAccumulation is a single premium fixed index annuity that offers both upside opportunity and downside market protection.
Growth Accelerator Rider
Interest crediting strategies with the Growth Accelerator Rider is added onto select existing interest crediting strategies that will offer increased caps or participation rates in exchange for a rider charge.
The rider charge (1.25%) is assessed at the end of the Strategy Term against only the Contract Value allocated to interest crediting strategies with the Growth Accelerator Rider. Contract Value allocated to interest crediting strategies without the Growth Accelerator Rider will not be assessed a rider charge. This charge will be assessed even if no interest is credited due to zero or negative index performance. The cost of this rider may cause the Contract Value to be negative. This Rider is only available during the Withdrawal Charge Period. This rider may not be elected in conjunction with the Enhanced Death Benefit Rider or the Premium Enhancement Rider.
Growth Accelerator Rider
Interest crediting strategies with the Growth Accelerator Rider is added onto select existing interest crediting strategies that will offer increased caps or participation rates in exchange for a rider charge.
The rider charge (1.25%) is assessed at the end of the Strategy Term against only the Contract Value allocated to interest crediting strategies with the Growth Accelerator Rider. Contract Value allocated to interest crediting strategies without the Growth Accelerator Rider will not be assessed a rider charge. This charge will be assessed even if no interest is credited due to zero or negative index performance. The cost of this rider may cause the Contract Value to be negative. This Rider is only available during the Withdrawal Charge Period. This rider may not be elected in conjunction with the Enhanced Death Benefit Rider or the Premium Enhancement Rider.
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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
5 Years |
|
Surrender schedule
|
2%2%2%2%2% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
5%
Fixed
|
| 2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
355%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year MSCI EAFE PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
250%
Participation
|
| 1-Year S&P 500 PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15%
Cap
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
12%
Cap
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
20%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
12%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
215%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
300%
Participation
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
9.25%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
5%
Fixed
|
| 2-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year Franklin US PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
355%
Participation
|
| 1-Year S&P 500 PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year MSCI EAFE PTP Cap with Growth Accelerator |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
250%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate with Growth Accelerator |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate with Growth Accelerator |
Point to Point
Annual
|
185%
Participation
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
215%
Participation
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
12%
Cap
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
20%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
12%
Cap
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
300%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
9.25%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 2% | 2% | 2% | 2% | 2% |