WealthLock Accumulator 5
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Highlights
A single premium deferred fixed index annuity (FIA). WealthLock Accumulator offers principal protection with the opportunity to earn an attractive rate of return that is tied to an index’s performance, without the risks associated with direct investment in the market.
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, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
5 Years |
|
Surrender schedule
|
9%8%7%6%5% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, Inherited IRA, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Janus SG Lighthouse High Water Mark Participation Rate |
High Water Mark
Biennial
|
100%
Participation
|
| 5-Year Franklin Factors US High Water Mark Participation Rate |
High Water Mark
5-Year
|
210%
Participation
|
| 5-Year Invesco Peak High Water Mark Participation Rate |
High Water Mark
5-Year
|
235%
Participation
|
| 2-Year Franklin Factors US High Water Mark Participation Rate |
High Water Mark
Biennial
|
150%
Participation
|
| 2-Year Invesco Peak High Water Mark Participation Rate |
High Water Mark
Biennial
|
165%
Participation
|
| 5-Year Janus SG Lighthouse High Water Mark Participation Rate |
High Water Mark
5-Year
|
140%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10.25%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
57%
Participation
|
| 1-Year Invesco Peak PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 1-Year Franklin Factors US PTP Participation Rate |
Point to Point
Annual
|
185%
Participation
|
| 1-Year Janus SG Lighthouse PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 5-Year Janus SG Lighthouse High Water Mark Participation Rate |
High Water Mark
5-Year
|
150%
Participation
|
| 5-Year Franklin Factors US High Water Mark Participation Rate |
High Water Mark
5-Year
|
225%
Participation
|
| 2-Year Franklin Factors US High Water Mark Participation Rate |
High Water Mark
Biennial
|
160%
Participation
|
| 2-Year Invesco Peak High Water Mark Participation Rate |
High Water Mark
Biennial
|
175%
Participation
|
| 5-Year Invesco Peak High Water Mark Participation Rate |
High Water Mark
5-Year
|
250%
Participation
|
| 2-Year Janus SG Lighthouse High Water Mark Participation Rate |
High Water Mark
Biennial
|
105%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year Janus SG Lighthouse PTP Participation Rate |
Point to Point
Annual
|
115%
Participation
|
| 1-Year Franklin Factors US PTP Participation Rate |
Point to Point
Annual
|
195%
Participation
|
| 1-Year Invesco Peak PTP Participation Rate |
Point to Point
Annual
|
185%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
11%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% |