Index Advantage Income ADV
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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:
- 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, 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, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Surrender schedule
|
No Surrender Charge |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$5,000 |
|
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.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year EURO STOXX 50 Dual Precision Strategy |
Dual Step Up
Annual
|
9.6%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy |
Dual Step Up
Annual
|
8.8%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy |
Dual Step Up
Annual
|
11.2%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy |
Dual Step Up
Annual
|
10.8%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy |
Dual Step Up
Annual
|
9.9%
Performance triggered
|
| 3-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer Uncapped |
Point to Point
Triennial
|
100%
Participation
|
| 1-Year S&P 500 PTP Performance Strategy with 10% Buffer |
Point to Point
Annual
|
21.25%
Cap
|
| 6-Year S&P 500 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 1-Year S&P 500 PTP Performance Strategy with 20% Buffer |
Point to Point
Annual
|
14%
Cap
|
| 1-Year S&P 500 PTP Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year Russell 2000 PTP Performance Strategy with 20% Buffer |
Point to Point
Annual
|
16.75%
Cap
|
| 1-Year Russell 2000 PTP Performance Strategy with 30% Buffer |
Point to Point
Annual
|
13.25%
Cap
|
| 1-Year Nasdaq-100 PTP Performance Strategy with 20% Buffer |
Point to Point
Annual
|
14.25%
Cap
|
| 1-Year Nasdaq-100 PTP Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11.75%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Performance Strategy with 20% Buffer |
Point to Point
Annual
|
20.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Performance Strategy with 30% Buffer |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Performance Strategy with 20% Buffer |
Point to Point
Annual
|
23.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Performance Strategy with 30% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Protection Strategy |
Point to Point
Annual
|
7.25%
Cap
|
| 3-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer Uncapped |
Point to Point
Triennial
|
100%
Participation
|
| 1-Year Russell 2000 PTP Performance Strategy with 10% Buffer |
Point to Point
Annual
|
24%
Cap
|
| 1-Year Nasdaq-100 PTP Performance Strategy with 10% Buffer |
Point to Point
Annual
|
22%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Performance Strategy with 10% Buffer |
Point to Point
Annual
|
27.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Performance Strategy with 10% Buffer |
Point to Point
Annual
|
29.5%
Cap
|
| 1-Year S&P 500 PTP Guard Strategy |
Point to Point
Annual
|
18%
Cap
|
| 1-Year Russell 2000 PTP Guard Strategy |
Point to Point
Annual
|
21.75%
Cap
|
| 1-Year Nasdaq-100 PTP Guard Strategy |
Point to Point
Annual
|
18%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Guard Strategy |
Point to Point
Annual
|
22.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Guard Strategy |
Point to Point
Annual
|
29.75%
Cap
|
| 1-Year S&P 500 PTP Cap Protection Strategy |
Point to Point
Annual
|
5.5%
Cap
|
| 1-Year Russell 2000 PTP Cap Protection Strategy |
Point to Point
Annual
|
6.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Protection Strategy |
Point to Point
Annual
|
6.5%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Protection Strategy |
Point to Point
Annual
|
7.5%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
125%
Participation
|
| 3-Year S&P 500 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 3-Year Russell 2000 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 6-Year S&P 500 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 1-Year EURO STOXX 50 Protection Strategy with DPSC |
Performance Triggered
Annual
|
5.6%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Protection Strategy with DPSC |
Performance Triggered
Annual
|
5.1%
Performance triggered
|
| 1-Year Nasdaq-100 Protection Strategy with DPSC |
Performance Triggered
Annual
|
5.3%
Performance triggered
|
| 1-Year Russell 2000 Protection Strategy with DPSC |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
| 1-Year S&P 500 Protection Strategy with DPSC |
Performance Triggered
Annual
|
5.2%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Precision Strategy |
Performance Triggered
Annual
|
10.8%
Performance triggered
|
| 1-Year EURO STOXX 50 Precision Strategy |
Performance Triggered
Annual
|
13%
Performance triggered
|
| 1-Year Nasdaq-100 Precision Strategy |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year Russell 2000 Precision Strategy |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year S&P 500 Precision Strategy |
Performance Triggered
Annual
|
11.4%
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 |
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