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.
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
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
9%9%8%7%5%4% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$5,000 |
|
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.
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
|
16.5%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth |
Point to Point
Annual
|
19.19%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth |
Point to Point
Annual
|
18.37%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth |
Point to Point
Annual
|
17.56%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth |
Point to Point
Annual
|
16.74%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth |
Point to Point
Annual
|
15.93%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth |
Point to Point
Annual
|
15.11%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -3% Floor 70% Secure 30% Growth |
Point to Point
Annual
|
14.3%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth |
Point to Point
Annual
|
13.48%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -1% Floor 90% Secure 10% Growth |
Point to Point
Annual
|
12.67%
Cap
|
| 1-Year S&P 500 PTP Cap with -9% Floor 10% Secure 90% Growth |
Point to Point
Annual
|
17.38%
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
|
15.63%
Cap
|
| 1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth |
Point to Point
Annual
|
14.75%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth |
Point to Point
Annual
|
13.88%
Cap
|
| 1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth |
Point to Point
Annual
|
13%
Cap
|
| 1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth |
Point to Point
Annual
|
12.13%
Cap
|
| 1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth |
Point to Point
Annual
|
11.25%
Cap
|
| 1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth |
Point to Point
Annual
|
10.38%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure |
Point to Point
Annual
|
11.85%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor 100% Secure |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -10% Floor 100% Growth |
Point to Point
Annual
|
18.25%
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.
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