Market Link Pro 4
Market Link Pro 4
About Product
A RILA is a long-term, tax-deferred vehicle designed for retirement. It is subject to investment risk, the value will fluctuate, and loss of principal is possible. A RILA, which is an insurance contract, allows you to choose how you want to prioritize growth opportunities while managing the amount of loss you may assume. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.
Performance lock
- Lock in a portion or all of the interim value (positive or negative) —at any point during a 1-, 3-, or 6-year index account option term (term). A partial performance lock can only be used once per premium year.
- The value at the lock-in point moves to the performance lock holding account until your next premium allocation anniversary.
- On the premium allocation anniversary, the performance lock holding account’s value can be reallocated to the identical index account option, depending on availability, or to another available index account option. If no reallocation choice is made, funds within the performance lock holding account will be moved to a new term of the original index account option. Once index account option value is removed from an index account option with a guaranteed cap crediting method, it cannot be reallocated into a new or existing guaranteed cap crediting method.
- Elect your lock at any time during the selected term with a manual performance lock, or for a full performance lock have it occur automatically.
Rate enhancement option
The rate enhancement option is only available at issue and cannot be terminated. This option is not available with the +Income benefit. The total charge is expressed as an annual percentage of each index option crediting base (IOCB). Please see the prospectus for details.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Nasdaq-100 Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
12.25%
Cap
|
| 3-Year Nasdaq-100 Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
38%
Cap
|
| 6-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
66%
Cap
|
| 3-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
31%
Cap
|
| 1-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
9.5%
Cap
|
| 6-Year Nasdaq-100 Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
75%
Cap
|
| 1-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
8.25%
Cap
|
| 3-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
39%
Cap
|
| 6-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
| 6-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
88%
Cap
|
| 3-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
40%
Cap
|
| 1-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
12.75%
Cap
|
| 6-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
| 3-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
43%
Cap
|
| 1-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
10.25%
Cap
|
| 1-Year Dow Jones Industrial Average Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
9%
Cap
|
| 3-Year Dow Jones Industrial Average Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
30%
Cap
|
| 6-Year Dow Jones Industrial Average Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
84%
Cap
|
| 3-Year MSCI EAFE Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
|
| 3-Year MSCI Emerging Markets Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
66%
Cap
|
| 3-Year Russell 2000 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
56%
Cap
|
| 3-Year Nasdaq-100 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
52%
Cap
|
| 3-Year S&P 500 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
41%
Cap
|
| 3-Year Dow Jones Industrial Average Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Triennial
|
43%
Cap
|
| 6-Year MSCI EAFE Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
|
| 6-Year MSCI Emerging Markets Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
|
| 6-Year Russell 2000 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
| 6-Year S&P 500 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
130%
Cap
|
| 6-Year Nasdaq-100 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
125%
Cap
|
| 6-Year Dow Jones Industrial Average Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
| 1-Year Russell 2000 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Annual
|
15.25%
Cap
|
| 1-Year MSCI Emerging Markets Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Annual
|
13%
Cap
|
| 1-Year MSCI EAFE Performance Boost Cap Enhanced with 10% Buffer |
Performance Boost
Annual
|
10.25%
Cap
|
| 1-Year Nasdaq-100 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Annual
|
14.5%
Cap
|
| 1-Year S&P 500 Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Annual
|
11.25%
Cap
|
| 1-Year Dow Jones Industrial Average Performance Boost Enhanced Cap with 10% Buffer |
Performance Boost
Annual
|
11%
Cap
|
| 1-Year Fixed Account |
Fixed
|
3%
Fixed
|
| 6-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 3-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
60%
Cap
|
| 3-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
44%
Cap
|
| 6-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
49%
Cap
|
| 6-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
100%
Participation
110%
Cap
|
| 1-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
10.25%
Cap
|
| 6-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 6-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
88%
Cap
|
| 6-Year MSCI Emerging Markets PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
105%
Cap
|
| 3-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
78%
Cap
|
| 3-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
112%
Participation
|
| 6-Year MSCI EAFE PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 3-Year MSCI EAFE PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
31%
Cap
|
| 3-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
125%
Participation
|
| 3-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 1-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
11.25%
Cap
|
| 1-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
17.25%
Cap
|
| 3-Year MSCI Emerging Markets PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
28.5%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
7.15%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
20.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
7.15%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
12.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
12.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
18.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
6.5%
Cap
|
| 3-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
40%
Cap
|
| 3-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
|
| 3-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
21.5%
Cap
|
| 6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
80%
Cap
|
| 6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
102%
Participation
|
| 6-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
50%
Cap
|
| 1-Year Russell 2000 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
7.1%
Cap
|
| 1-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
22.5%
Cap
|
| 1-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
13.75%
Cap
|
| 3-Year Russell 2000 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
23.5%
Cap
|
| 3-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
48%
Cap
|
| 6-Year Russell 2000 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
54%
Cap
|
| 6-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
102%
Participation
|
| 6-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
120%
Cap
|
| 3-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
78%
Cap
|
| 3-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
22.5%
Cap
|
| 1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
16%
Cap
|
| 1-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
5.95%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
6.8%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
16.25%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
11%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
12%
Cap
|
| 1-Year S&P 500 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
12%
Cap
|
| 1-Year Russell 2000 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
16.5%
Cap
|
| 1-Year Nasdaq-100 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
13.75%
Cap
|
| 1-Year MSCI EAFE PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
13.25%
Cap
|
| 1-Year MSCI Emerging Markets PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
15%
Cap
|
| 3-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
22.5%
Cap
|
| 3-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
102%
Participation
|
| 3-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
40%
Cap
|
| 3-Year MSCI Emerging Markets PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
107%
Participation
|
| 3-Year MSCI EAFE PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
120%
Participation
|
| 3-Year Nasdaq-100 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
42%
Cap
|
| 3-Year Russell 2000 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
52%
Cap
|
| 3-Year S&P 500 PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
41%
Cap
|
| 3-Year Dow Jones Industrial Average PTP Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
48%
Cap
|
| 6-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
102%
Participation
|
| 6-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
110%
Participation
|
| 6-Year Dow Jones Industrial Average PTP Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
58%
Cap
|
| 1-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
28%
Cap
|
| 1-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
30%
Cap
|
| 1-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
24.5%
Cap
|
| 1-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
31%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
29%
Cap
|
| 1-Year S&P 500 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
24.5%
Cap
|
| 3-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
92%
Cap
|
| 3-Year S&P 500 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
32%
Cap
|
| 3-Year S&P 500 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
117%
Participation
|
| 3-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
36%
Cap
|
| 3-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 3-Year S&P 500 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
105%
Participation
|
| 3-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
105%
Participation
|
| 3-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
34%
Cap
|
| 3-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
70%
Cap
|
| 3-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
102%
Participation
|
| 3-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
135%
Participation
|
| 3-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
120%
Participation
|
| 3-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 3-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
130%
Participation
|
| 3-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
48%
Cap
|
| 3-Year Dow Jones Industrial Average PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
112%
Participation
|
| 3-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 3-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
122%
Participation
|
| 3-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Triennial
|
100%
Participation
38%
Cap
|
| 3-Year S&P 500 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
105%
Participation
|
| 3-Year Russell 2000 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
120%
Cap
|
| 3-Year Nasdaq-100 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
66%
Cap
|
| 3-Year MSCI EAFE PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
125%
Participation
|
| 3-Year MSCI Emerging Markets PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
125%
Participation
|
| 6-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
100%
Cap
|
| 6-Year S&P 500 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
84%
Cap
|
| 6-Year S&P 500 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
122%
Participation
|
| 6-Year S&P 500 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
110%
Participation
|
| 6-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
105%
Participation
|
| 6-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
125%
Participation
|
| 6-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
112%
Participation
|
| 6-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
135%
Participation
|
| 6-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 6-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
105%
Participation
|
| 6-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 6-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
100%
Participation
82%
Cap
|
| 6-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
135%
Participation
|
| 6-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
105%
Participation
|
| 6-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
6-Year
|
105%
Participation
|
| 6-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
135%
Participation
|
| 6-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 1-Year Dow Jones Industrial Average PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
17.75%
Cap
|
| 1-Year MSCI Emerging Markets PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
20%
Cap
|
| 1-Year MSCI EAFE PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
19.25%
Cap
|
| 1-Year Nasdaq-100 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
17.75%
Cap
|
| 1-Year Russell 2000 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
21.5%
Cap
|
| 1-Year S&P 500 PTP Enhanced Guaranteed Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
16.25%
Cap
|
| 1-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
18%
Cap
|
| 1-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
16.25%
Cap
|
| 1-Year S&P 500 PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
13.75%
Cap
|
| 1-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
15.75%
Cap
|
| 1-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
17%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
15.5%
Cap
|
| 1-Year Russell 2000 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
10%
Cap
|
| 1-Year Nasdaq-100 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
9%
Cap
|
| 1-Year S&P 500 PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
8.5%
Cap
|
| 1-Year MSCI EAFE PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
10.25%
Cap
|
| 1-Year MSCI Emerging Markets PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
10.25%
Cap
|
| 1-Year Dow Jones Industrial Average PTP Enhanced Cap with Participation Rate with 100% Buffer |
Point to Point
Annual
|
100%
Participation
9.75%
Cap
|
| 1-Year S&P 500 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
10.5%
Performance triggered
|
| 1-Year S&P 500 Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
5.35%
Performance triggered
|
| 1-Year Nasdaq-100 Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
5.9%
Performance triggered
|
| 1-Year MSCI EAFE Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
5.9%
Performance triggered
|
| 1-Year MSCI EAFE Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
10.4%
Performance triggered
|
| 1-Year Nasdaq-100 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
13.4%
Performance triggered
|
| 1-Year Russell 2000 Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
6.25%
Performance triggered
|
| 1-Year Russell 2000 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
14.2%
Performance triggered
|
| 1-Year MSCI Emerging Markets Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
12.2%
Performance triggered
|
| 1-Year MSCI Emerging Markets Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
6.1%
Performance triggered
|
| 1-Year Dow Jones Industrial Average Performance Triggered with 100% Buffer |
Performance Triggered
Annual
|
5.85%
Performance triggered
|
| 1-Year Dow Jones Industrial Average Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
10.5%
Performance triggered
|
| 1-Year S&P 500 Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
12.25%
Performance triggered
|
| 1-Year S&P 500 Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
7.15%
Performance triggered
|
| 1-Year Russell 2000 Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
8.45%
Performance triggered
|
| 1-Year MSCI Emerging Markets Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
14.6%
Performance triggered
|
| 1-Year MSCI Emerging Markets Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
8.4%
Performance triggered
|
| 1-Year Russell 2000 Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
16.3%
Performance triggered
|
| 1-Year MSCI EAFE Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
12.4%
Performance triggered
|
| 1-Year MSCI EAFE Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
7.95%
Performance triggered
|
| 1-Year Nasdaq-100 Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
15.4%
Performance triggered
|
| 1-Year Nasdaq-100 Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
7.9%
Performance triggered
|
| 1-Year Dow Jones Industrial Average Performance Triggered Enhanced with 10% Buffer |
Performance Triggered
Annual
|
12.4%
Performance triggered
|
| 1-Year Dow Jones Industrial Average Performance Triggered Enhanced with 100% Buffer |
Performance Triggered
Annual
|
7.75%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| +Income Rider | No | 1.45% annually |
Waivers
Terminal Illness
State variations may apply. You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If you or your joint owner is diagnosed with a terminal illness that is expected to result in death within 12 months, you may access up to 100% of the contract value free of withdrawal charges. All contract values will be reduced proportionately. This benefit may be exercised multiple times, up to the contract value. Taxes may apply.
Extended Care
Unavailable in states: CA
State variations may apply. You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity beginning after the contract issue date, you may access up to 100% of the contract value free of withdrawal charges. All contract values will be reduced proportionately. This benefit may be exercised multiple times, up to the contract value. Taxes may apply.
RMD
The required minimum distribution (RMD) for this contract may be taken from a qualified Jackson Market Link Pro 4 contract free of withdrawal charges, even if the amount exceeds the 10% free withdrawal provision. The RMD withdrawal value is based on the contract value. If a withdrawal taken before the end of the withdrawal charge period exceeds the greater of the RMD requirement or the free withdrawal benefit, the excess amount withdrawn will be subject to withdrawal charges
Premium Notes
Minimum Single Premium is $25,000. Subsequent premiums of $500 ($50 through automatic payment plan).
Withdrawal Provisions
Free WithdrawalsEach contract year, the greater of 10% of remaining premium still subject to withdrawal charges at the beginning of the contract year or earnings. Free withdrawals not taken in a contract year are not available in future contract years. All withdrawals, including automatic withdrawals, required minimum distributions (RMDs) and free withdrawals, apply to the total amount withdrawn in a contract year and are subject to the interim value adjustment. The RMD withdrawal must be for this contract only and you must specify that the withdrawal is an RMD. Partial withdrawals during the withdrawal charge period reduce the contract value on a dollar-for-dollar basis and may be subject to applicable withdrawal charges. For more information on the interim value adjustment, please see the contract prospectus. Taxes may apply to any withdrawal you make.
- A.M. Best A
- Fitch A
- S&P A
- Moody's A3
- Comdex 76