TruStage™
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TruStage Horizon II Variable Annuity

The TruStage Horizon II Variable Annuity is a fantastic retirement product! It offers great flexibility to adapt to the changing markets, letting you grow your savings in good times and secure them during the downturns.

What's more, it assures a steady, lifelong stream of income. So, worry less about outliving your retirement savings and truly enjoy your golden years!

TruStage Horizon II Variable Annuity-brochure TruStage Horizon II Variable Annuity-brochure

TruStage Horizon II Variable Annuity

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
9%
9%
8%
7%
5%
4%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,999,999
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
Launch Date
12/03/2018
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

Allocation Accounts

Name Type Rates
Holding Account
Fixed
3% Fixed
1-Year S&P 500 PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
14.24% Cap
1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
19.06% Cap
1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
18.12% Cap
1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
17.18% Cap
1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
16.24% Cap
1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
15.3% Cap
1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
14.36% Cap
1-Year MSCI EAFE PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
13.42% Cap
1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
12.48% Cap
1-Year MSCI EAFE PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
11.54% Cap
1-Year S&P 500 PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
15.02% 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
13.46% Cap
1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
12.68% Cap
1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
11.9% Cap
1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
11.12% Cap
1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
10.34% Cap
1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
9.56% Cap
1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
8.78% Cap
1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
10.6% Cap
1-Year S&P 500 PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
8% Cap
1-Year S&P 500 PTP Cap with -10% Floor 100% Growth
Point to Point
Annual
15.8% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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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

Premium Notes

Please note: New applications less than $2M are automatically approved and do not require completing the $1M+ approval form. However, TruStage contracts, illustrations, and marketing materials will all still say $1M. TruStage reserves the right to review individual cases and lower the approval limit back to $1M at any time.

Withdrawal Provisions

Annual withdrawal amount10% of total purchase payments, available annually without surrender charge.Order of withdrawalsTaken 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 optionsAfter 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.

Company Founded: 1935
Excellent Rated Company
TruStage™
Company Ratings
4.2
  • A.M. Best A
  • S&P A+
  • Moody's A2
  • Comdex 79
Assets: $17,939,129,349
Iowa

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