4.5
based on complex data
Annuity Educator Rating
Annuity review
Index Advantage Income ADV
The Index Advantage Income ADV Annuity is a safe and steady financial friend in retirement. Its standout feature is guaranteeing you a lifetime income stream, giving you certainty and peace.
Worried about outliving your savings? Not with this product. It also offers potential for higher returns based on market performance. Relax knowing your future is secure!
Index Advantage Income ADV
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About Product
Type
Registered Index-Linked
Purpose
Lifetime Income
Surrender schedule
No Surrender Charge
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, 401k, IRA, 401a, IRA Transfer, SEP IRA, IRA-Roth, and TSP
Index Advantage Income ADV is an index variable annuity designed to meet your long-term goals. It can help you address both halves of your retirement strategy:
- accumulating retirement savings and
- receiving income in the form of lifetime withdrawals.
Product and Rider Fees:
Accrued daily and deducted on each Quarterly Contract Anniversary. Each fee is calculated as a percentage of the Charge Base ( the Contract Value on the preceding Quarterly Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals).
Accrued daily and deducted on each Quarterly Contract Anniversary. Each fee is calculated as a percentage of the Charge Base ( the Contract Value on the preceding Quarterly Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals).
- Product Fee is 0.25%
- Rider Fee is 0.70% for the Income Benefit.
Rider fee is 0.20% for the Maximum Anniversary Value Death Benefit. If you select this benefit, you will pay 1.15% in total annual Contract fees (product fee plus the rider fees).
Other Contract Fees and Expenses:
- Withdrawal charge
- $50 contract maintenance charge assessed annually if the total Contract Value is less than $100,000.
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, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Annual
|
10.4%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer |
Dual Step Up
Annual
|
9.3%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Annual
|
11.8%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Annual
|
11.5%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Annual
|
10.5%
Performance triggered
|
| 3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
130%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
21.25%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer Uncapped |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer Uncapped |
Point to Point
6-Year
|
110%
Participation
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
16.75%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
13.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
13.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
12.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
21.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
25.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Protection Strategy |
Point to Point
Annual
|
6.5%
Cap
|
| 3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
85%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
23.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
21.5%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
29.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
31.5%
Cap
|
| 1-Year S&P 500 PTP Cap Guard Strategy |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year Russell 2000 PTP Cap Guard Strategy |
Point to Point
Annual
|
20.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Guard Strategy |
Point to Point
Annual
|
16.5%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Guard Strategy |
Point to Point
Annual
|
22.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Guard Strategy |
Point to Point
Annual
|
29.5%
Cap
|
| 1-Year S&P 500 PTP Cap Protection Strategy |
Point to Point
Annual
|
4.75%
Cap
|
| 1-Year Russell 2000 PTP Cap Protection Strategy |
Point to Point
Annual
|
5.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Protection Strategy |
Point to Point
Annual
|
5.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Protection Strategy |
Point to Point
Annual
|
5.75%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped |
Point to Point
6-Year
|
120%
Participation
|
| 3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped |
Point to Point
Triennial
|
100%
Participation
|
| 3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped |
Point to Point
Triennial
|
100%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped |
Point to Point
6-Year
|
120%
Participation
|
| 1-Year EURO STOXX 50 Protection Strategy with DPSC |
Performance Triggered
Annual
|
5%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Protection Strategy with DPSC |
Performance Triggered
Annual
|
4.2%
Performance triggered
|
| 1-Year Nasdaq-100 Protection Strategy with DPSC |
Performance Triggered
Annual
|
4.8%
Performance triggered
|
| 1-Year Russell 2000 Protection Strategy with DPSC |
Performance Triggered
Annual
|
4.8%
Performance triggered
|
| 1-Year S&P 500 Protection Strategy with DPSC |
Performance Triggered
Annual
|
4.4%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Precision Strategy |
Performance Triggered
Annual
|
11.2%
Performance triggered
|
| 1-Year EURO STOXX 50 Precision Strategy |
Performance Triggered
Annual
|
13.6%
Performance triggered
|
| 1-Year Nasdaq-100 Precision Strategy |
Performance Triggered
Annual
|
14.1%
Performance triggered
|
| 1-Year Russell 2000 Precision Strategy |
Performance Triggered
Annual
|
14.5%
Performance triggered
|
| 1-Year S&P 500 Precision Strategy |
Performance Triggered
Annual
|
12%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Annual
|
8.8%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 30% Buffer |
Dual Step Up
Annual
|
7%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Annual
|
8.3%
Performance triggered
|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer |
Dual Step Up
Annual
|
6.2%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer |
Dual Step Up
Annual
|
7.4%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer |
Dual Step Up
Annual
|
5.8%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Annual
|
8.6%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer |
Dual Step Up
Annual
|
7.1%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 30% Buffer |
Dual Step Up
Annual
|
7.1%
Performance triggered
|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Annual
|
7.7%
Performance triggered
|
| 3-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Triennial
|
28%
Performance triggered
|
| 3-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Triennial
|
35%
Performance triggered
|
| 3-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Step Up
Triennial
|
25%
Performance triggered
|
| 3-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Step Up
Triennial
|
30%
Performance triggered
|
| 6-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Step Up
6-Year
|
52%
Performance triggered
|
| 6-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Step Up
6-Year
|
60%
Performance triggered
|
| 6-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Step Up
6-Year
|
50%
Performance triggered
|
| 6-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Step Up
6-Year
|
55%
Performance triggered
|
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Maximum Anniversary Value Death Benefit | No | 0.20% annually |
| Index Advantage Income ADV Level | Yes | 0.70% annually |
| Index Advantage Income ADV Increasing | Yes | 0.70% annually |
Waivers
No Waivers for Index Advantage Income ADV annuity.
Premium Notes
Income payment options:
- Level Income
Consistent, dependable income for life. This may be a good choice if you want the reassurance of knowing exactly how much income you’ll receive annually and if you want a guaranteed stream of income that you can’t outlive. - Increasing Income
Guaranteed income for life – plus an opportunity for payment increases. This offers a smaller payment upfront compared to the Level Income option, with the potential to increase each year by credits earned by your selected index options.
Note: we take TSP as a direct rollover to an IRA
Withdrawal Provisions
Free Withdrawal Privilege10% of total Annual Contribution Amounts, available annually without any MVA applied; any unused portion does not carry over from one index year to the next. On a full withdrawal, prior free withdrawals may be subject to an MVA as described in the prospectus. The free withdrawal privilege is not available on full withdrawals and is no longer available once income payments or annuity payments begin. All withdrawals are subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal additional tax.
Company Founded: 1896
TOP Rated
Company
Company Ratings
4.4
- A.M. Best A+
- S&P AA
- Moody's Aa3
- Comdex 96
Assets: $125,084,600,553
Minnesota
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