Investment Edge Series B
Highlights
- 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.
$50 annually, waived if Account Value (AV) = $50,000+
|
Type
|
Registered Index-Linked |
|---|---|
| Purpose | Accumulation |
|
Term
|
5 Years |
|
Surrender schedule
|
6%6%5%4%3% |
|
Free withdrawal
|
10% |
| Flexible premium | Product Life |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Launch date
|
03/21/2022 |
|
Minimum contribution
|
$10,000 |
|
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 B is the right product for you.
Premium Notes
- 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.
NQ Funds, SEP IRA: $500
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.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 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
|
9%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up 10% Buffer |
Dual Step Up
Annual
|
10.8%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up 20% Buffer |
Dual Step Up
Annual
|
6.3%
Performance triggered
|
| 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
|
9.3%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up 20% Buffer |
Dual Step Up
Annual
|
8%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up 15% Buffer |
Dual Step Up
Annual
|
9.3%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up 10% Buffer |
Dual Step Up
Annual
|
11.2%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up 20% Buffer |
Dual Step Up
Annual
|
7%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up 15% Buffer |
Dual Step Up
Annual
|
8%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up 10% Buffer |
Dual Step Up
Annual
|
9.2%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Direction Cap 20% Buffer |
Dual Directional
Annual
|
9%
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 20% Buffer |
Dual Directional
5-Year
|
400%
Cap
|
| 5-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
5-Year
|
800%
Cap
|
| 5-Year Russell 2000 Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
600%
Cap
|
| 5-Year S&P 500 Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
600%
Cap
|
| 5-Year MSCI EAFE Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
600%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
12.5%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 20% Buffer |
Dual Directional
Annual
|
8.5%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
10.5%
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%
Cap
|
| 1-Year S&P 500 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
10%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
17.5%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
20%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
19%
Cap
|
| 1-Year S&P 500 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
13%
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 20% Buffer |
Dual Directional
5-Year
|
400%
Cap
|
| 5-Year Nasdaq-100 Dual Direction Cap 10% Buffer |
Dual Directional
5-Year
|
270%
Cap
|
| 5-Year Nasdaq-100 Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
125%
Cap
|
| 5-Year Nasdaq-100 Dual Direction Cap 20% Buffer |
Dual Directional
5-Year
|
100%
Cap
|
| 5-Year S&P 500 Growth Multiplier Participation Rate |
Point to Point
5-Year
|
125%
Participation
|
| 1-Year S&P 500 Growth Multiplier Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 1-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Annual
|
18%
Cap
|
| 5-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
5-Year
|
650%
Cap
|
| 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
|
50%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap 10% Buffer |
Point to Point
Annual
|
34%
Cap
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Annual
|
19%
Cap
|
| 1-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Annual
|
25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Annual
|
17.5%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap 15% Buffer |
Point to Point
Annual
|
23%
Cap
|
| 5-Year S&P 500 PTP Cap 10% Buffer Uncapped |
Point to Point
5-Year
|
|
| 5-Year Russell 2000 PTP Cap 10% Buffer Uncapped |
Point to Point
5-Year
|
|
| 5-Year MSCI EAFE PTP Cap 10% Buffer Uncapped |
Point to Point
5-Year
|
|
| 5-Year Nasdaq-100 PTP Cap 10% Buffer Uncapped |
Point to Point
5-Year
|
|
| 5-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 1-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 5-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
5-Year
|
150%
Cap
|
| 5-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
5-Year
|
500%
Cap
|
| 5-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
5-Year
|
500%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 40% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year MSCI EAFE PTP Cap 40% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
Annual
|
19%
Cap
|
| 1-Year Russell 2000 PTP Cap 40% Buffer |
Point to Point
Annual
|
12.5%
Cap
|
| 5-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 1-Year S&P 500 PTP Cap 40% Buffer |
Point to Point
Annual
|
10.5%
Cap
|
| 1-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 5-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 5-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 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
|
10.7%
Performance triggered
|
| 1-Year Russell 2000 Step Up 15% Buffer |
Performance Triggered
Annual
|
12.5%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up 10% Buffer |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year MSCI EAFE Step Up 10% Buffer |
Performance Triggered
Annual
|
11.7%
Performance triggered
|
| 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
|
11.2%
Performance triggered
|
| 1-Year S&P 500 Step Up 15% Buffer |
Performance Triggered
Annual
|
10.2%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 6% | 6% | 5% | 4% | 3% |
Riders
No Riders for Investment Edge Series B 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”.
Request a free quote or talk to our financial expert to get help