PrimeStart Bonus 10

PrimeStart Bonus 10 fixed index annuity is a flexible premium insurance product featuring a premium bonus. It combines growth potential—earn interest based on the performance of a specific market index, or a combination of indexes—with protection from market downturns.

Flexible Index Account Lock
This Endorsement guarantees an Index Account Factor, such as a Participation Rate, for the length of the Surrender Charge Period. The rates are set at contract issue and will not change for each term during the Surrender Charge Period. You may reallocate to or from Index Accounts with the “Flex‐Lock” feature using any of the available Index Accounts and Fixed Account on any contract anniversary during the Surrender Charge Period.
Flex‐Lock Index Accounts will not be available for renewal at the end of the Surrender Charge Period. You may send us new allocation instructions by the date provided in the applicable renewal notice. If we do not receive new instructions, we will automatically reallocate any Account Value in a Flex‐Lock Index Account to the same Index Account without a lock.

Lowest Starting Index Value
This is a no cost feature that has the potential to increase both the size and likelihood of an interest credit for money allocated to an Index Account option. The initial starting index value is set using the lowest index value following the first 90 days of your contract issue date. This feature applies to any Index Account option your initial premium is allocated to. It does not apply to any subsequent terms following the first contract year.

Precision Portfolios 
You also have access to two turnkey, diversified multi-index portfolios called Precision Portfolios. They are constructed using set percentage allocations to the individual index strategies we offer from S&P, Goldman Sachs, Franklin Templeton, and First Trust, coupled with an allocation to the fixed account. They are designed to give you a tailored way to help meet your your retirement savings goals.
Please note that you may only select one Precision Portfolio to allocate 100% of your premium payment. Precision Portfolios are only available at contract issue, and the allocation percentages will not change over time. If you select a Precision Portfolio allocation at contract issue, any additional premium payment you make will be allocated to the Fixed Account. At renewal, you can transfer the entire amount to the same Precision Portfolio allocation previously elected or keep it in the Fixed Account. Clients may reallocate out of a Precision Portfolio on any contract anniversary.

Precision Core 
S&P 500 1-year Point-to-Point with Cap: 10%
S&P 500 1-year Performance Trigger: 10%
S&P 500 Dynamic Intraday TCA Index: 15%
Goldman Sachs Canopy Index: 15%
First Trust Capital Strength Barclays 10% Index: 10%
Franklin SG Select Index: 15%
Fixed Account: 25%

Precision Edge 
S&P 500 1-year Point-to-Point with Cap: 10%
S&P 500 1-year Performance Trigger: 10%
S&P 500 Dynamic Intraday TCA Index: 20%
Goldman Sachs Canopy Index: 20%
First Trust Capital Strength Barclays 10% Index: 15%
Franklin SG Select Index: 15%
Fixed Account: 10%