Shield Level II Advisory
The Shield Level II Advisory Annuity is a true friend to retirees. It keeps your money growing steadily, while shielding you from market downturns. The peace of mind is priceless!
With professional advisory services and flexible pay-outs, planning for a comfortable future has never been easier. Highly recommended for a worry-free retirement!
Shield Level II Advisory
About Product
Interim Value
The Interim Value calculation uses a hypothetical portfolio approach which aligns with industry standards. The Interim Value for each Shield Option is equal to the sum of (1) the market value of the Fixed Income Asset Proxy and (2), the current market value of the Derivative Asset Proxy.
Performance Lock Feature
Each Shield Level II Annuity product offers the Performance Lock feature, which is available with all Shield Options (not available on Shield Level Pay Plus II). The Contract Owner will be able to lock the Interim Value once per Term. Performance Lock Value can be transferred to another Shield Option or the Fixed Account on any Contract Anniversary after the Performance Lock is exercised. Once the Performance Lock is exercised, it is irrevocable.
Allocation Accounts
Name | Type | Rates |
---|---|---|
2-Year Nasdaq-100 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
16%
Performance triggered
|
1-Year S&P 500 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
8.25%
Performance triggered
|
1-Year S&P 500 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
7.25%
Performance triggered
|
2-Year S&P 500 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
16%
Performance triggered
|
2-Year S&P 500 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
14.5%
Performance triggered
|
1-Year Russell 2000 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
10%
Performance triggered
|
1-Year Russell 2000 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
8.25%
Performance triggered
|
2-Year Russell 2000 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
18.75%
Performance triggered
|
2-Year Russell 2000 Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
16.5%
Performance triggered
|
1-Year MSCI EAFE Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
6.25%
Performance triggered
|
2-Year MSCI EAFE Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
16%
Performance triggered
|
2-Year MSCI EAFE Shield 15 with Step Rate Edge |
Step Rate Edge
Biennial
|
13.5%
Performance triggered
|
1-Year Nasdaq-100 Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
9.75%
Performance triggered
|
1-Year Nasdaq-100 Shield 15 with Step Rate Edge |
Step Rate Edge
Annual
|
8.25%
Performance triggered
|
2-Year Nasdaq-100 Shield 10 with Step Rate Edge |
Step Rate Edge
Biennial
|
18.25%
Performance triggered
|
1-Year MSCI EAFE Shield 10 with Step Rate Edge |
Step Rate Edge
Annual
|
7.75%
Performance triggered
|
1-Year Fixed Account |
Fixed
|
3.5%
Fixed
|
1-Year MSCI EAFE PTP Cap Shield 25 |
Point to Point
Annual
|
9%
Cap
|
3-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
Triennial
|
55%
Cap
|
1-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
Annual
|
19%
Cap
|
1-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
Annual
|
14.5%
Cap
|
1-Year Nasdaq-100 PTP Cap Shield 25 |
Point to Point
Annual
|
10.25%
Cap
|
6-Year Nasdaq-100 PTP Cap Shield 15 |
Point to Point
6-Year
|
115%
Cap
|
6-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
6-Year
|
145%
Cap
|
3-Year Nasdaq-100 PTP Cap Shield 10 |
Point to Point
Triennial
|
65%
Cap
|
6-Year Nasdaq-100 PTP Cap Shield 25 |
Point to Point
6-Year
|
90%
Cap
|
6-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
6-Year
|
225%
Cap
|
1-Year S&P 500 PTP Cap Shield 10 |
Point to Point
Annual
|
16.5%
Cap
|
3-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
Triennial
|
90%
Cap
|
3-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
Triennial
|
140%
Cap
|
3-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
Triennial
|
65%
Cap
|
3-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
Triennial
|
100%
Cap
|
3-Year S&P 500 PTP Cap Shield 15 |
Point to Point
Triennial
|
75%
Cap
|
3-Year S&P 500 PTP Cap Shield 10 |
Point to Point
Triennial
|
140%
Cap
|
6-Year MSCI EAFE PTP Cap Shield 25 |
Point to Point
6-Year
|
135%
Cap
|
1-Year S&P 500 PTP Cap Shield 25 |
Point to Point
Annual
|
8.25%
Cap
|
6-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
6-Year
|
325%
Cap
|
6-Year Russell 2000 PTP Cap Shield 25 |
Point to Point
6-Year
|
90%
Cap
|
6-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
6-Year
|
105%
Cap
|
6-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
6-Year
|
150%
Cap
|
6-Year S&P 500 PTP Cap Shield 25 |
Point to Point
6-Year
|
110%
Cap
|
6-Year S&P 500 PTP Cap Shield 15 |
Point to Point
6-Year
|
250%
Cap
|
6-Year S&P 500 PTP Cap Shield 10 Uncapped (Most States) |
Point to Point
6-Year
|
|
1-Year Russell 2000 PTP Cap Shield 25 |
Point to Point
Annual
|
11%
Cap
|
1-Year MSCI EAFE PTP Cap Shield 15 |
Point to Point
Annual
|
13.5%
Cap
|
1-Year Russell 2000 PTP Cap Shield 15 |
Point to Point
Annual
|
16%
Cap
|
1-Year S&P 500 PTP Cap Shield 15 |
Point to Point
Annual
|
12%
Cap
|
1-Year MSCI EAFE PTP Cap Shield 10 |
Point to Point
Annual
|
20%
Cap
|
1-Year Russell 2000 PTP Cap Shield 10 |
Point to Point
Annual
|
21.5%
Cap
|
1-Year S&P 500 Shield 15 with Step Rate |
Performance Triggered
Annual
|
9%
Performance triggered
|
1-Year MSCI EAFE Shield 10 with Step Rate |
Performance Triggered
Annual
|
9%
Performance triggered
|
1-Year Russell 2000 Shield 10 with Step Rate |
Performance Triggered
Annual
|
12.25%
Performance triggered
|
1-Year S&P 500 Shield 10 with Step Rate |
Performance Triggered
Annual
|
9.75%
Performance triggered
|
1-Year Nasdaq-100 Shield 10 with Step Rate |
Performance Triggered
Annual
|
11.75%
Performance triggered
|
2-Year Russell 2000 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
21.25%
Performance triggered
|
1-Year Russell 2000 Shield 15 with Step Rate |
Performance Triggered
Annual
|
11%
Performance triggered
|
1-Year MSCI EAFE Shield 15 with Step Rate |
Performance Triggered
Annual
|
8.25%
Performance triggered
|
1-Year Nasdaq-100 Shield 15 with Step Rate |
Performance Triggered
Annual
|
10%
Performance triggered
|
2-Year S&P 500 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
17.5%
Performance triggered
|
2-Year S&P 500 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
16.25%
Performance triggered
|
2-Year Nasdaq-100 Shield 10 with Step Rate |
Performance Triggered
Biennial
|
20.5%
Performance triggered
|
2-Year Nasdaq-100 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
18%
Performance triggered
|
2-Year MSCI EAFE Shield 10 with Step Rate |
Performance Triggered
Biennial
|
18%
Performance triggered
|
2-Year MSCI EAFE Shield 15 with Step Rate |
Performance Triggered
Biennial
|
16%
Performance triggered
|
2-Year Russell 2000 Shield 15 with Step Rate |
Performance Triggered
Biennial
|
19.5%
Performance triggered
|
6-Year S&P 500 PTP Cap Shield 10 (Variation States) |
Point to Point
6-Year
|
525%
Cap
|
Riders
No Riders for Shield Level II Advisory annuity.
Waivers
No Waivers for Shield Level II Advisory annuity.
Withdrawal Provisions
Automated WithdrawalsA scheduled stream of monthly, quarterly, or annual withdrawals that may be taken from specified Shield Options and/or the Fixed Account, or proportionally from all Shield Options and the Fixed Account, as allocated. Automated required minimum distributions (RMDs) are available in any contract year. Automated withdrawals for purposes other than RMDs are available after the first contract year and may be subject to withdrawal charges if they exceed the Free Withdrawal Amount in a contract year. Other restrictions apply. Withdrawal Charge: None.
- A.M. Best A
- Fitch A
- S&P A+
- Moody's A3
- Comdex 76