Enhanced Choice Index 7 Rate & Reviews

Enhanced Choice Index 7

The Enhanced Choice Index is a single-premium deferred index annuity offering multiple crediting strategies linked to index performance, and a fixed interest account option. Clients choose the combination of indices and crediting options that best align with their financial goals. Enhanced product features give flexibility, adaptability, and access to funds.

There is a choice of a 5, 7, or 10-year surrender-charge period, with no surrender charges thereafter.

ECI-5 and ECI-7 provide multi-year guaranteed participation rates on some index crediting options: S&P MARC 5% ER, S&P 500 Daily RC 5% ER, and S&P 500 ESG Daily RC 5% ER.

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	4% Fixed
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	42% Participation
1-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Annual	57% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	220% Participation
1-Year S&P 500 DRC 5% ER PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 DRC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	220% Participation
1-Year S&P 500 ESG DRC 5% ER PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 ESG DRC 5% ER PTP Enhanced Participation Rate	Point to Point Annual	220% Participation

Surrender schedule

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