Smart Start Accumulator
Smart Start Accumulator
About Product
Non-Qualified: $10,000
Best Entry Window
The Best Entry Window is included as a no-fee rider specifically designed to ensure you get the best possible index value. Throughout the initial 90-day period starting from the policy’s effective date, the index value is consistently checked and adjusted accordingly.
If the index value drops at any point within these 90 days, it readjusts to this lower value, ensuring you get the best possible entry point.
Effortless Portfolio Allocations
Determining the best portfolio allocation to suit your financial needs and preferences can be a challenge. Thankfully, this process doesn’t have to be complicated. The Smart Start Accumulator Series simplifies the process by offering three straightforward portfolio allocation options that have been carefully optimized using Modern Portfolio Theory to estimate the highest projected accumulation potential for each level of risk.
Conservative
This option focuses on stability and lower risk. It allocates a larger portion of funds to the fixed account. The remaining funds are spread across various indices, providing some growth potential with lower risk.
Moderate
This option balances risk and reward by allocating more funds to a capped strategy, limiting gains but reducing losses, while the rest are allocated in various indices for steady, moderate-risk growth.
Aggressive
This option aims for higher growth with slightly more risk by allocating more funds to uncapped strategies, offering greater potential gains while maintaining a guaranteed 0% floor.
Custom Allocation Option
The Smart Start Accumulator Series also provides the flexibility to customize your allocation strategy. You can tailor your allocations using a combination of fixed or indexed strategies to align with your personal preferences and financial goals.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Morningstar Global Wide Moat VC 7 PTP Participation Rate Conservative (30% Allocation) |
Blend
Annual
|
90%
Participation
|
| 1-Year Morningstar Global Wide Moat VC 7 PTP Participation Rate Aggressive (40% Allocation) |
Blend
Annual
|
100%
Participation
|
| 1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate Aggressive (20% Allocation) |
Blend
Annual
|
60%
Participation
|
| 1-Year Invesco QQQ Portfolio Plus PTP Participation Rate Aggressive (40% Allocation) |
Blend
Annual
|
70%
Participation
|
| 1-Year S&P MARC 5% ER PTP Participation Rate Moderate (10% Allocation) |
Blend
Annual
|
90%
Participation
|
| 1-Year Morningstar Global Wide Moat VC 7 PTP Participation Rate Moderate (30% Allocation) |
Blend
Annual
|
90%
Participation
|
| 1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate Moderate (10% Allocation) |
Blend
Annual
|
50%
Participation
|
| 1-Year Invesco QQQ Portfolio Plus PTP Participation Rate Moderate (25% Allocation) |
Blend
Annual
|
65%
Participation
|
| 1-Year S&P 500 PTP Cap Moderate (25% Allocation) |
Blend
Annual
|
11.5%
Cap
|
| 1-Year S&P MARC 5% ER PTP Participation Rate Conservative (10% Allocation) |
Blend
Annual
|
90%
Participation
|
| 1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate Conservative (10% Allocation) |
Blend
Annual
|
50%
Participation
|
| 1-Year Invesco QQQ Portfolio Plus PTP Participation Rate Conservative (25% Allocation) |
Blend
Annual
|
65%
Participation
|
| 1-Year Fixed Account Conservative (25% Allocation) |
Blend
|
5%
Fixed
|
| 1-Year Fixed Account |
Fixed
|
3.75%
Fixed
|
| 1-Year S&P MARC 5% ER PTP Participation Rate |
Point to Point
Annual
|
80%
Participation
|
| 1-Year Morningstar Global Wide Moat VC 7 PTP Participation Rate |
Point to Point
Annual
|
80%
Participation
|
| 1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year Invesco QQQ Portfolio Plus PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.5%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
No Riders for Smart Start Accumulator annuity.
Waivers
Terminal Illness
Unavailable in states: CA, and CT
Surrender charges and MVA may be waived if the contract owner is diagnosed with an injury or illness expected to result in death within 12 months. Available after issue.
Disability
Unavailable in states: CA
Prior to age 65, surrender charges and MVA may be waived if the contract owner is physically disabled, or diagnosed with a disabling terminal illness. Available after issue.
Confinement
Unavailable in states: CA
Surrender charges and MVA may be waived if the contract owner is confined to a licensed hospital, licensed convalescent care facility, skilled nursing facility, custodial care facility, or licensed hospice facility for 30 or more days. Available 90 days after issue.
Premium Notes
Withdrawal Provisions
Surrender Charge Free Withdrawal PrivilegeAnnually and based on beginning of year values, 5% of the annuity value is eligible to be withdrawn free of surrender charges, market value adjustment. Market Value Adjustments (MVA) A market value adjustment will apply if part or all the surrender value is withdrawn prior to the end of the market value adjustment period. The market value adjustment applies to both, full and partial withdrawals. No market value adjustment is assessed after the market value adjustment period. Market value adjustment will be at the company’s option via market value adjustment rider. Not applicable in all states.
- A.M. Best A
- Fitch A
- S&P A
- Comdex 75
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