Power 7 Protector: Rates & Review

The Power 7 Protector Index Annuity offers you a valuable combination of growth potential, principal protection from market downturns, and guaranteed income for life. This blend of accumulation and income, features may be the solution to achieving the retirement you envision.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, 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

Name	Type	Rates
1-Year Fixed Account	Fixed	4.4% Fixed
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Annual	235% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Biennial	126% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Annual	81% Participation
2-Year ML Strategic Balanced PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Annual	125% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Biennial	175% Participation
2-Year PIMCO Global Optima PTP Participation Rate	Point to Point Biennial	86% Participation
1-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Annual	165% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Biennial	240% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Biennial	315% Participation
1-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Annual	65% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	10% Cap
1-Year PIMCO Global Optima PTP Participation Rate	Point to Point Annual	61% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	55% Participation
1-Year ML Strategic Balanced PTP Participation Rate	Point to Point Annual	95% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7.15% Performance triggered
1-Year Fixed Account	Fixed	4.65% Fixed
1-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Annual	175% Participation
2-Year PIMCO Global Optima PTP Participation Rate	Point to Point Biennial	101% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Annual	96% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Biennial	136% Participation
1-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Annual	70% Participation
2-Year ML Strategic Balanced PTP Participation Rate	Point to Point Biennial	145% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Annual	145% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Biennial	195% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Annual	245% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Biennial	325% Participation
1-Year PIMCO Global Optima PTP Participation Rate	Point to Point Annual	71% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	11% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	60% Participation
1-Year ML Strategic Balanced PTP Participation Rate	Point to Point Annual	115% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	8.15% Performance triggered

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

Premium Notes

Principal Protection
After 14 years, you would get your money back through minimum withdrawal value. You are not required to use the fixed account.

Premium

Initial: $25,000 minimum (qualified and non-qualified)
Subsequent: Only in the first 30 days after contract issue (as a Lump Sum or Periodic Payments). Minimum additional premium is $100.
Requires prior company approval if total of all contracts issued to the same owner and/or annuitant exceeds $2 million

Withdrawal Provisions

Free WithdrawalsYou can withdraw up to 10% of your contract value (based on your prior anniversary value) without incurring any company-imposed charges. Market Value Adjustment (MVA)Withdrawals in excess of the Free Withdrawal amount or amounts annuitized during the first 7 years are subject to an MVA. This adjustment may either increase or decrease the amount you receive, and is determined by a formula in the contract that reflects changes in the Barclays US Credit Index yield since the contract was issued. The MVA may not apply in all states. Minimum Withdrawal ValueUpon full surrender, payment of death benefit or annuitization, you will never receive less than 87.5% of your premium, less withdrawals (excluding any withdrawal charge and MVA), growing at an annual rate as specified in your contract. State variations apply.

Power 7 Protector