Investment Edge Series Select
Investment Edge Series Select
Your Email
Ratings:
- A.M. Best A
- S&P A+
- Moody's A1
- Comdex 82
About Product
Type
Registered Index-Linked
Purpose
Accumulation
Surrender schedule
No Surrender Charge
Fee withdrawal:
100%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
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
Launch Date
03/21/2022
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.
Contract maintenance fee
$50 annually, waived if Account Value (AV) = $50,000+
$50 annually, waived if Account Value (AV) = $50,000+
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
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year MSCI EAFE Dual Step Up 15% Buffer |
Dual Step Up
Annual
|
7%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up 10% Buffer |
Dual Step Up
Annual
|
8%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up 10% Buffer |
Dual Step Up
Annual
|
9%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up 15% Buffer |
Dual Step Up
Annual
|
7.5%
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
|
11.5%
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 20% Buffer |
Dual Step Up
Annual
|
7.8%
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
|
7.8%
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
|
11%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Direction Cap 20% Buffer |
Dual Directional
Annual
|
8.5%
Cap
|
| 5-Year S&P 500 Dual Direction Cap 20% Buffer |
Dual Directional
5-Year
|
400%
Cap
|
| 5-Year Russell 2000 Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
600%
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
|
6.5%
Cap
|
| 5-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
5-Year
|
800%
Cap
|
| 5-Year Nasdaq-100 Dual Direction Cap 20% Buffer |
Dual Directional
5-Year
|
90%
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
|
270%
Cap
|
| 5-Year Nasdaq-100 Dual Direction Cap 15% Buffer |
Dual Directional
5-Year
|
115%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
9.5%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap 20% Buffer |
Dual Directional
Annual
|
8%
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
|
7.5%
Cap
|
| 1-Year S&P 500 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
9%
Cap
|
| 1-Year S&P 500 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
13%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
19.5%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
18%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
16.5%
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
|
600%
Cap
|
| 5-Year S&P 500 Growth Multiplier Participation Rate |
Point to Point
5-Year
|
125%
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
|
110%
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
|
24.5%
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
|
33%
Cap
|
| 5-Year Nasdaq-100 PTP Cap 15% Buffer Uncapped |
Point to Point
5-Year
|
|
| 5-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 5-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 5-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 5-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
5-Year
|
750%
Cap
|
| 1-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 5-Year Russell 2000 PTP Cap 10% Buffer Uncapped |
Point to Point
5-Year
|
|
| 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
|
21%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Annual
|
19%
Cap
|
| 1-Year S&P 500 PTP Cap 40% Buffer |
Point to Point
Annual
|
9%
Cap
|
| 1-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Annual
|
16%
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
|
16%
Cap
|
| 1-Year MSCI EAFE PTP Cap 40% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Annual
|
14.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 40% Buffer |
Point to Point
Annual
|
10.5%
Cap
|
| 5-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
5-Year
|
500%
Cap
|
| 1-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Annual
|
22%
Cap
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
14%
Cap
|
| 5-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
5-Year
|
120%
Cap
|
| 5-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
5-Year
|
650%
Cap
|
| 5-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
5-Year
|
500%
Cap
|
| 1-Year Russell 2000 Step Up 10% Buffer |
Performance Triggered
Annual
|
14.5%
Performance triggered
|
| 1-Year S&P 500 Step Up 10% Buffer |
Performance Triggered
Annual
|
11%
Performance triggered
|
| 1-Year MSCI EAFE Step Up 10% Buffer |
Performance Triggered
Annual
|
10.7%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up 10% Buffer |
Performance Triggered
Annual
|
14%
Performance triggered
|
| 5-Year MSCI EAFE Step Up 10% Buffer |
Performance Triggered
5-Year
|
50%
Performance triggered
|
| 5-Year Nasdaq-100 Step Up 10% Buffer |
Performance Triggered
5-Year
|
50%
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
|
45%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up 15% Buffer |
Performance Triggered
Annual
|
12.2%
Performance triggered
|
| 1-Year MSCI EAFE Step Up 15% Buffer |
Performance Triggered
Annual
|
9.7%
Performance triggered
|
| 1-Year Russell 2000 Step Up 15% Buffer |
Performance Triggered
Annual
|
13%
Performance triggered
|
| 1-Year S&P 500 Step Up 15% Buffer |
Performance Triggered
Annual
|
10%
Performance triggered
|
Riders
No Riders for Investment Edge Series Select 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”.
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
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.
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.
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