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2-Year
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5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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Structured Capital Strategies Plus 21 Series ADV

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Highlights

Structured Capital Strategies PLUS offers you a way to save for retirement with a straightforward path through the ups and downs of the investment world, so that you can retire with confidence knowing your money is protected from market downturns up to -20%. Because you have your own goals, needs and appetite for risk, this retirement strategy gives you flexibility to make choices that reflect the realities of your life and the world around you. 
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
 Registered Index-Linked
Purpose Accumulation & Legacy
Surrender schedule
 No Surrender Charge
Free withdrawal
 100%
Flexible premium Product Life
Market value adjustment
Return of premium
Minimum contribution
 $25,000
Maximum contribution
 $1,500,000
Max Age Qualified
 75
Types of funds
 Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA
Brochure
 Open brochure

Find out if the Structured Capital Strategies Plus 21 Series ADV is the right product for you.

Premium Notes

Issue ages 
  • 0–85 for Nonqualified, Roth IRA, Traditional IRA, Inherited IRA, NQ and SEP IRA Funds. 
  • Ages 20–75 for Qualified Plans. 
Ages 0–18 are available under a custodial agreement under the Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA). May vary in some states.

Initial minimum contribution 
  • $25,000 
Subsequent minimum contribution 
  • Nonqualified Funds & Qualified Plans: $500 
  • Roth IRA & Traditional IRA: $50 
Additional premiums accepted as both, Lump Sum or Periodic payments.
No additional contributions after the date on which the older of the original Owner(s) and Annuitant(s) reaches age 86 or, if later, the first contract date anniversary.
There is no minimum requirement for transfers into a Segment or for contributions/ transfers to a Segment Type Holding Account.

Maximum contribution 
  • $1.5 million 
Higher contributions require prior approval. Maximum contribution through age 85 (or if later, the first contract date anniversary). 

Withdrawal Provisions

Withdrawals from a Segment
Withdrawals 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 the withdrawal.

Systematic Withdrawal Program
  • Standard systematic withdrawal service program to allow specified percentage or dollar amount withdrawals. 
  • Frequency: withdrawals may be taken monthly, quarterly or annually. 
Withdrawal Charge
None.

Allocation Accounts

Name Type Rates
6-Year S&P 500 Loss Limiter 95 Cap 10% Buffer
Loss Limiter 95
6-Year
100% Cap
1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer
Loss Limiter 90
Annual
11.5% Cap
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
8.8% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10.5% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.5% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
10.8% Performance triggered
1-Year S&P 500 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.3% Performance triggered
1-Year S&P 500 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
8.5% Performance triggered
6-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
250% Cap
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
13% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
12% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
16.5% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
8.5% Cap
1-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
Annual
20% Cap
1-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
Annual
12.5% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9.5% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
17.5% Cap
6-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
200% Cap
6-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
140% Cap
6-Year MSCI EAFE Dual Direction Cap 10% Buffer
Dual Directional
6-Year
800% Cap
6-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
6-Year
600% Cap
6-Year MSCI EAFE Dual Direction Cap 20% Buffer
Dual Directional
6-Year
400% Cap
6-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
180% Cap
6-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
145% Cap
6-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
100% Cap
6-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
250% Cap
6-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
550% Cap
6-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
800% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
20.5% Cap
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
20% Cap
6-Year Nasdaq-100 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
19.5% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer
Annual Lock
6-Year
26% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
16% Cap
6-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
6-Year
225% Cap
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
22.5% Cap
1-Year EURO STOXX 50 PTP Cap 15% Buffer
Point to Point
Annual
64.5% Cap
6-Year S&P 500 PTP Cap 40% Buffer
Point to Point
6-Year
200% Cap
6-Year Russell 2000 PTP Cap 40% Buffer
Point to Point
6-Year
125% Cap
6-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
6-Year
275% Cap
6-Year S&P 500 PTP Cap 10% Buffer Uncapped
Point to Point
6-Year
6-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
6-Year
350% Cap
6-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
6-Year
140% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
20% Cap
6-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
6-Year
100% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
23% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
30% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
125% Participation
100% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
125% Participation
125% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
110% Participation
190% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
110% Participation
275% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
13.5% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer
Point to Point
Annual
123.5% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
35% Cap
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
800% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
6-Year
700% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
12.5% Cap
1-Year S&P 500 PTP Cap 40% Buffer
Point to Point
Annual
10% Cap
6-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
6-Year
155% Cap
6-Year S&P 500 PTP Cap 20% Buffer
Point to Point
6-Year
600% Cap
1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
Annual
125% Participation
14% Cap
1-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Annual
18.5% 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
6-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
6-Year
180% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
23% 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
13.5% Cap
6-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
6-Year
900% Cap
6-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
6-Year
215% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
15.5% 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
1-Year Russell 2000 Step Up Segment 15% Buffer
Performance Triggered
Annual
12.3% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer
Performance Triggered
Annual
10% Performance triggered
6-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
6-Year
60% Performance triggered
1-Year S&P 500 Step Up Segment 15% Buffer
Performance Triggered
Annual
9.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment 10% Buffer
Performance Triggered
Annual
13% Performance triggered
1-Year MSCI EAFE Step Up Segment 10% Buffer
Performance Triggered
Annual
11.5% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
Annual
13.5% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
Annual
10.5% Performance triggered
1-Year Nasdaq-100 Step Up Segment 15% Buffer
Performance Triggered
Annual
12% Performance triggered

Surrender schedule

Year
Penalty

Riders

Name Inbuilt Fee
Return of Premium Death Benefit No 0.20% annually

Waivers

No Waivers for Structured Capital Strategies Plus 21 Series ADV annuity.

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