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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Index Advantage Income ADV

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Learn how an annuity can provide guaranteed income for life.

Highlights

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:
  1. accumulating retirement savings and
  2. 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).
  • 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
Type
Registered Index-Linked
Purpose Lifetime Income
Surrender schedule
No Surrender Charge
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
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
Brochure
Open brochure

Find out if the Index Advantage Income ADV is the right product for you.

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 Privilege
10% 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.

Allocation Accounts

Name Type Rates
1-Year EURO STOXX 50 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
9.5% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
8.3% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
10.8% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
10.4% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
9.3% Performance triggered
3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer
Point to Point
Triennial
100% Participation
85% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer
Point to Point
Annual
19% 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
12.5% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer
Point to Point
Annual
10.5% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer
Point to Point
Annual
15% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer
Point to Point
Annual
12.25% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer
Point to Point
Annual
12.25% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer
Point to Point
Annual
10.5% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer
Point to Point
Annual
20% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer
Point to Point
Annual
14.5% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer
Point to Point
Annual
23% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer
Point to Point
Annual
20.5% Cap
1-Year EURO STOXX 50 PTP Cap Protection Strategy
Point to Point
Annual
6.75% 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
21.5% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer
Point to Point
Annual
19.5% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer
Point to Point
Annual
27% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer
Point to Point
Annual
29% Cap
1-Year S&P 500 PTP Cap Guard Strategy
Point to Point
Annual
16% Cap
1-Year Russell 2000 PTP Cap Guard Strategy
Point to Point
Annual
20% 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
21.5% Cap
1-Year EURO STOXX 50 PTP Cap Guard Strategy
Point to Point
Annual
29% Cap
1-Year S&P 500 PTP Cap Protection Strategy
Point to Point
Annual
5% Cap
1-Year Russell 2000 PTP Cap Protection Strategy
Point to Point
Annual
5.75% Cap
1-Year Nasdaq-100 PTP Cap Protection Strategy
Point to Point
Annual
6% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Protection Strategy
Point to Point
Annual
6.75% 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
5.4% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Protection Strategy with DPSC
Performance Triggered
Annual
4.6% Performance triggered
1-Year Nasdaq-100 Protection Strategy with DPSC
Performance Triggered
Annual
5.1% Performance triggered
1-Year Russell 2000 Protection Strategy with DPSC
Performance Triggered
Annual
5.2% Performance triggered
1-Year S&P 500 Protection Strategy with DPSC
Performance Triggered
Annual
4.9% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Precision Strategy
Performance Triggered
Annual
10.2% Performance triggered
1-Year EURO STOXX 50 Precision Strategy
Performance Triggered
Annual
12.7% Performance triggered
1-Year Nasdaq-100 Precision Strategy
Performance Triggered
Annual
12.7% Performance triggered
1-Year Russell 2000 Precision Strategy
Performance Triggered
Annual
13% Performance triggered
1-Year S&P 500 Precision Strategy
Performance Triggered
Annual
10.6% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
7.8% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.5% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
7.3% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
5.9% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
6.5% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
5.4% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
7.8% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.4% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.3% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
7.1% Performance triggered

Surrender schedule

Year
Penalty

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.

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