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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Investment Edge Series ADV

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Highlights

Investment Edge is an innovative retirement strategy designed to take advantage of smart diversification and tax-deferred growth potential in your wealth-building years, followed by tax-efficient distributions when you need retirement income. It can help you: 
  • Diversify to help mitigate risk, to help smooth the effect of market ups and downs in any one market sector and stay focused on potential long-term growth in your wealth-building years. 
  • Defer taxes, to allow contributions and your earnings to compound and grow, without having to pay taxes on your growth until you choose to start withdrawals for retirement. 
  • Distribute income with tax-efficient payments, to maximize tax-efficient distributions through the power of Income Edge. 
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, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, and WY
Type
Registered Index-Linked
Purpose Accumulation
Surrender schedule
No Surrender Charge
Free withdrawal
100%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
03/21/2022
Minimum contribution
$25,000
Maximum contribution
$1,500,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, SEP IRA, IRA-Roth, and Inherited IRA
Brochure
Open brochure

Find out if the Investment Edge Series ADV is the right product for you.

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Premium Notes

Issue ages 
  • 0–85 for Nonqualified (NQ). 
  • 0–75 for Inherited IRA (Traditional & Roth) & Inherited NQ. 
  • 0–70 for Non-Spousal Beneficiary QP Direct Rollover to an Inherited IRA (Traditional & Roth) BCO. 
  • 20–85 for Qualified Plans, Roth IRA, Traditional IRA & SEP IRA. 
Subsequent minimum contribution
NQ Funds, SEP IRA: $500
Roth IRA & Traditional IRA: $50 
Inherited IRA: $1,000
Additional premiums accepted as both, Lump Sum or Periodic payments. For Investment Edge you can set up an ACH direct deposit from the bank account.
There is no minimum requirement for transfers into a Segment or for contributions/ transfers to a Segment Type Holding Account. 

Withdrawal Provisions

Withdrawing your money
  • No charges for withdrawals. 
  • There are a variety of distribution options available from Investment Edge®, including automatic required minimum distributions, systematic withdrawals or, if the contract owner needs early withdrawals, substantially equal payments that avoid the 10% IRS tax penalty. 
  • Withdrawals taken from Segments prior to the Segment Maturity Date reduce the Segment Investment on a pro rata basis by the same proportion that the Segment Interim Value is reduced on the date of withdrawal. 

Allocation Accounts

Name Type Rates
1-Year MSCI EAFE Dual Step Up 15% Buffer
Dual Step Up
Annual
7.5% Performance triggered
1-Year MSCI EAFE Dual Step Up 10% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year S&P 500 Dual Step Up 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year S&P 500 Dual Step Up 15% Buffer
Dual Step Up
Annual
7.3% Performance triggered
1-Year S&P 500 Dual Step Up 20% Buffer
Dual Step Up
Annual
7% Performance triggered
1-Year Russell 2000 Dual Step Up 10% Buffer
Dual Step Up
Annual
10.8% Performance triggered
1-Year Russell 2000 Dual Step Up 15% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year Russell 2000 Dual Step Up 20% Buffer
Dual Step Up
Annual
8% Performance triggered
1-Year MSCI EAFE Dual Step Up 20% Buffer
Dual Step Up
Annual
6.3% Performance triggered
1-Year Nasdaq-100 Dual Step Up 20% Buffer
Dual Step Up
Annual
8% Performance triggered
1-Year Nasdaq-100 Dual Step Up 15% Buffer
Dual Step Up
Annual
8.8% Performance triggered
1-Year Nasdaq-100 Dual Step Up 10% Buffer
Dual Step Up
Annual
10.5% Performance triggered
1-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
Annual
9% Cap
5-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
5-Year
250% Cap
5-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
5-Year
200% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
12% Cap
1-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
Annual
8.5% Cap
5-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
5-Year
250% Cap
5-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
5-Year
100% Cap
5-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
5-Year
125% Cap
5-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
5-Year
800% Cap
5-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
5-Year
600% Cap
5-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
5-Year
400% Cap
5-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
5-Year
180% Cap
5-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
5-Year
145% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
8.5% Cap
1-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
Annual
9% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
Annual
13% Cap
1-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
Annual
8.5% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9.5% Cap
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
13.5% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
18.5% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
Annual
20% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
17% Cap
5-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
5-Year
800% Cap
5-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
5-Year
550% Cap
5-Year S&P 500 Growth Multiplier Participation Rate
Point to Point
5-Year
130% Participation
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
17% Cap
1-Year S&P 500 Growth Multiplier Participation Rate
Point to Point
Annual
115% Participation
5-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
5-Year
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
24% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
30% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
20% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
40% Cap
5-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
5-Year
180% Cap
5-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
5-Year
900% Cap
5-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
5-Year
215% Cap
5-Year S&P 500 PTP Cap 15% Buffer
Point to Point
5-Year
800% Cap
5-Year Nasdaq-100 PTP Cap 10% Buffer Uncapped
Point to Point
5-Year
225% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
12.5% Cap
5-Year Russell 2000 PTP Cap 10% Buffer Uncapped
Point to Point
5-Year
275% Cap
5-Year S&P 500 PTP Cap 10% Buffer Uncapped
Point to Point
5-Year
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
23.5% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
15.5% Cap
1-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Annual
18.5% Cap
1-Year S&P 500 PTP Cap 40% Buffer
Point to Point
Annual
10% Cap
1-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
Annual
15.5% Cap
1-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
Annual
12% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
Annual
15% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Annual
13.5% Cap
1-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
Annual
10% Cap
5-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
5-Year
155% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
25% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
13.5% Cap
5-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
5-Year
140% Cap
5-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
5-Year
700% Cap
5-Year S&P 500 PTP Cap 20% Buffer
Point to Point
5-Year
600% Cap
1-Year Russell 2000 Step Up 10% Buffer
Performance Triggered
Annual
14% Performance triggered
1-Year S&P 500 Step Up 10% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year MSCI EAFE Step Up 10% Buffer
Performance Triggered
Annual
12% Performance triggered
1-Year Nasdaq-100 Step Up 10% Buffer
Performance Triggered
Annual
13% Performance triggered
5-Year MSCI EAFE Step Up 10% Buffer
Performance Triggered
5-Year
63.5% Performance triggered
5-Year Nasdaq-100 Step Up 10% Buffer
Performance Triggered
5-Year
55% Performance triggered
5-Year Russell 2000 Step Up 10% Buffer
Performance Triggered
5-Year
54% Performance triggered
5-Year S&P 500 Step Up 10% Buffer
Performance Triggered
5-Year
50% Performance triggered
1-Year Nasdaq-100 Step Up 15% Buffer
Performance Triggered
Annual
12% Performance triggered
1-Year MSCI EAFE Step Up 15% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year Russell 2000 Step Up 15% Buffer
Performance Triggered
Annual
12.3% Performance triggered
1-Year S&P 500 Step Up 15% Buffer
Performance Triggered
Annual
9.5% Performance triggered

Surrender schedule

Year
Penalty

Riders

No Riders for Investment Edge Series ADV annuity.

Waivers

Nursing Home

At any time after the first contract date anniversary, you may submit a claim to have the withdrawal charge waived if you meet certain requirements. You are not eligible to make a claim prior to your first contract date anniversary. Also, your claim must be on the specific form we provide for this purpose. The withdrawal charge does not apply if an owner (or older joint owner, if applicable) has been confined to a nursing home for more than 90 days (or such other period, as required in your state) as verified by a licensed physician. A nursing home for this purpose means one that is (a) approved by Medicare as a provider of skilled nursing care service, or (b) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, or U.S. Virgin Islands). Home Health Care acceptable as long as you have a physician's letter and 2 of 6 ADL.

Terminal Illness

At any time after the first contract date anniversary, you may submit a claim to have the withdrawal charge waived if you meet certain requirements. You are not eligible to make a claim prior to your first contract date anniversary. Also, your claim must be on the specific form we provide for this purpose. The withdrawal charge does not apply if we receive proof satisfactory to us (including certification by a licensed physician) that an owner’s (or older joint owner’s, if applicable) life expectancy is six months or less.

Disability

At any time after the first contract date anniversary, you may submit a claim to have the withdrawal charge waived if you meet certain requirements. You are not eligible to make a claim prior to your first contract date anniversary. Also, your claim must be on the specific form we provide for this purpose. The withdrawal charge does not apply if we receive proof satisfactory to us (including certification by a licensed physician) that an owner (or older joint owner, if applicable) is unable to perform three “activities of daily living”.

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