JourneyMark 7 with Cascade Rider Rate & Reviews

JourneyMark 7 with Cascade Rider

The JourneyMark with Cascade Rider offers accumulation potential from a diverse selection of interest crediting options, protection from market risk, and 10% free access to the account value when you need it.

Guaranteed Minimum Accumulation Value (“GMAV”)
If your Account Value (plus interest calculated using the current “high water mark” of any applicable Indexed Interest Option) is less than the GMAV at the end of the Index Year immediately following the end of your Withdrawal Charge Period, we will increase your Account Value (including “high water mark” interest) to be equal to the GMAV. The GMAV is the premium, plus premium bonus, less withdrawals, including any withdrawal charges and MVA, less any rider charges, multiplied by an enhancement percentage of 107%.

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
5-Year Citi Flexi-Beta 5 ER High Water Mark Participation Rate	High Water Mark 5-Year	212% Participation
1-Year Fixed Account	Fixed	4.15% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate	Point to Point Annual	167% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate	Point to Point Biennial	240% Participation
1-Year Goldman Sachs Mariner PTP Participation Rate	Point to Point Annual	155% Participation
2-Year Goldman Sachs Mariner PTP Participation Rate	Point to Point Biennial	220% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	36% Participation

Surrender schedule

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

Riders

Name	Inbuilt	Fee
JourneyMark 7 Cascade Rider	Yes	0.35% annually (0.00% after 7 years)