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2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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TruStage Horizon II Variable Annuity

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Highlights

Traditional investment diversification doesn’t offer protection. Avoiding risk altogether offers no chance for growth. But there’s a new way. TruStage Horizon II Variable Annuity lets you diversify for higher growth potential and set a personal limit on loss for a portion of your money—all in one place. With Horizon, you choose from a wide range of investment options aligned with your risk tolerance and financial goals. Then you decide how much of your money to protect from market risk and the exact level of that protection. For the portion you protect, you set your downside limit—called a floor—along with a corresponding cap on the upside. Once your floor is set, you can’t lose more than that on the risk control side, no matter what happens in the markets.

Fees and charges 
Contract fee: 1.50% per year, assessed as part of daily value calculation. 
Fund fees: Investment management fees vary by variable subaccount, assessed as part of daily value calculation on dollars in each subaccount. See prospectus for details. 
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, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
 Registered Index-Linked
Purpose Accumulation
Term
 6 Years
Surrender schedule
 9%9%8%7%5%4%
Free withdrawal
 10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
 12/03/2018
Minimum contribution
 $5,000
Maximum contribution
 $999,999
Max Age Qualified
 85
Types of funds
 Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and NQ Stretch
Brochure
 Open brochure

Find out if the TruStage Horizon II Variable Annuity is the right product for you.

Withdrawal Provisions

Annual withdrawal amount
10% of total purchase payments, available annually without surrender charge.

Order of withdrawals
Taken first from variable side; once variable subaccount value is depleted then taken from risk control side. Risk control account value may also be withdrawn without surrender charge or MVA on risk control account maturity date
 
Income payout options
After two years, can convert into steady stream of income:
  • Installment payments guaranteed for any period from 10 to 30 years.
  • Life income with steady monthly payments guaranteed for your lifetime.
  • Joint life income guaranteed for the lifetime of both you and a loved one.

Allocation Accounts

Name Type Rates
Holding Account
Fixed
2.8% Fixed
1-Year S&P 500 PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
16.28% Cap
1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
19.26% Cap
1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
18.51% Cap
1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
17.77% Cap
1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
17.02% Cap
1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
16.28% Cap
1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
15.53% Cap
1-Year MSCI EAFE PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
14.79% Cap
1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
14.04% Cap
1-Year MSCI EAFE PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
13.3% Cap
1-Year S&P 500 PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
17.14% Cap
1-Year MSCI EAFE PTP Cap with -10% Floor 100% Growth
Point to Point
Annual
20% Cap
1-Year S&P 500 PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
15.42% Cap
1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
14.56% Cap
1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
13.7% Cap
1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
12.84% Cap
1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
11.98% Cap
1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
11.12% Cap
1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
10.26% Cap
1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
12.55% Cap
1-Year S&P 500 PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
9.4% Cap
1-Year S&P 500 PTP Cap with -10% Floor 100% Growth
Point to Point
Annual
18% Cap

Surrender schedule

Year 1 2 3 4 5 6
Penalty 9% 9% 8% 7% 5% 4%

Riders

No Riders for TruStage Horizon II Variable Annuity annuity.

Waivers

Death

Full contract value, without surrender charge or MVA, or total net purchase payments—whichever is larger.

Hospital

Unavailable in states: MA

You have total access to contract value without surrender charge in certain times of need: • If you are confined to a nursing home or hospital for 180 consecutive days after issue. One year wait to exercise in Connecticut. Not available in Massachusetts. In California, there is no waiting period for facility or home care, and is available for full surrender only. In Pennsylvania, confinement period is 90 days after issue for nursing home and 30 days for hospital.

Nursing Home

Unavailable in states: MA

You have total access to contract value without surrender charge in certain times of need: If you are confined to a nursing home or hospital for 180 consecutive days after issue. One year wait to exercise in Connecticut. Not available in Massachusetts. In California, there is no waiting period for facility or home care, and is available for full surrender only. In Pennsylvania, confinement period is 90 days after issue for nursing home and 30 days for hospital. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: NJ

You have total access to contract value without surrender charge in certain times of need: • If you are diagnosed as terminally ill with a life expectancy of less than one year. In Illinois, Kansas and Washington, life expectancy is less than 24 months. One year wait to exercise in Connecticut. In Massachusetts, life expectancy is less than 24 months and must be full contract surrender.

Annuitization

We will not assess the Surrender Charge on: At the time Contract Value is applied to an Income Payout Option

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