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Annuity review
Structured Capital Strategies Plus 21 Series Select
The Structured Capital Strategies Plus 21 Series Select is a fantastic choice for guaranteeing a steady income in your golden years. Its flexibility allows for personalizing your retirement strategy.
You'll rest easy knowing this annuity minimizes risk while ensuring potential for growth. This annuity is a smart, secure option for preserving your hard-earned savings.
Structured Capital Strategies Plus 21 Series Select
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About Product
Type
Registered Index-Linked
Purpose
Accumulation & Legacy
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, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, Roth Conversion (Partial), and Roth Conversion (Full)
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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 6-Year S&P 500 Loss Limiter 95 Cap 10% Buffer |
Loss Limiter 95
6-Year
|
40%
Cap
|
| 1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer |
Loss Limiter 90
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 Dual Step Up Segment 15% Buffer |
Dual Direction Trigger
Annual
|
6%
Performance triggered
|
| 1-Year S&P 500 Dual Step Up Segment 10% Buffer |
Dual Direction Trigger
Annual
|
7.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment 10% Buffer |
Dual Direction Trigger
Annual
|
9.5%
Performance triggered
|
| 1-Year Russell 2000 Dual Step Up Segment 15% Buffer |
Dual Direction Trigger
Annual
|
7.3%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment 10% Buffer |
Dual Direction Trigger
Annual
|
6%
Performance triggered
|
| 1-Year MSCI EAFE Dual Step Up Segment 15% Buffer |
Dual Direction Trigger
Annual
|
5%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer |
Dual Direction Trigger
Annual
|
9%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer |
Dual Direction Trigger
Annual
|
6.9%
Performance triggered
|
| 1-Year S&P 500 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
10.5%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
15%
Cap
|
| 1-Year S&P 500 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
7%
Cap
|
| 1-Year Russell 2000 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
9%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
10%
Cap
|
| 1-Year MSCI EAFE Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
5%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap 10% Buffer |
Dual Directional
Annual
|
13%
Cap
|
| 1-Year Nasdaq-100 Dual Direction Cap 15% Buffer |
Dual Directional
Annual
|
8.8%
Cap
|
| 6-Year Russell 2000 Dual Direction Cap 10% Buffer |
Dual Directional
6-Year
|
95%
Cap
|
| 6-Year Russell 2000 Dual Direction Cap 15% Buffer |
Dual Directional
6-Year
|
75%
Cap
|
| 6-Year Russell 2000 Dual Direction Cap 20% Buffer |
Dual Directional
6-Year
|
60%
Cap
|
| 6-Year MSCI EAFE Dual Direction Cap 10% Buffer |
Dual Directional
6-Year
|
500%
Cap
|
| 6-Year MSCI EAFE Dual Direction Cap 15% Buffer |
Dual Directional
6-Year
|
300%
Cap
|
| 6-Year MSCI EAFE Dual Direction Cap 20% Buffer |
Dual Directional
6-Year
|
125%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Cap 10% Buffer |
Dual Directional
6-Year
|
75%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Cap 15% Buffer |
Dual Directional
6-Year
|
65%
Cap
|
| 6-Year Nasdaq-100 Dual Direction Cap 20% Buffer |
Dual Directional
6-Year
|
60%
Cap
|
| 6-Year S&P 500 Dual Direction Cap 10% Buffer |
Dual Directional
6-Year
|
80%
Cap
|
| 6-Year S&P 500 Dual Direction Cap 15% Buffer |
Dual Directional
6-Year
|
65%
Cap
|
| 6-Year S&P 500 Dual Direction Cap 20% Buffer |
Dual Directional
6-Year
|
50%
Cap
|
| 6-Year Russell 2000 Annual Lock Cap 10% Buffer |
Annual Lock
6-Year
|
13%
Cap
|
| 6-Year S&P 500 Annual Lock Cap 10% Buffer |
Annual Lock
6-Year
|
11%
Cap
|
| 6-Year Nasdaq-100 Annual Lock Cap 10% Buffer |
Annual Lock
6-Year
|
13%
Cap
|
| 6-Year MSCI EAFE Annual Lock Cap 10% Buffer |
Annual Lock
6-Year
|
13.5%
Cap
|
| 6-Year S&P 500 PTP Cap 40% Buffer |
Point to Point
6-Year
|
45%
Cap
|
| 6-Year Russell 2000 PTP Cap 40% Buffer |
Point to Point
6-Year
|
60%
Cap
|
| 6-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
6-Year
|
550%
Cap
|
| 6-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
6-Year
|
115%
Cap
|
| 6-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
6-Year
|
175%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap 15% Buffer |
Point to Point
Annual
|
12.8%
Cap
|
| 6-Year MSCI EAFE PTP Cap 40% Buffer |
Point to Point
6-Year
|
80%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap 15% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 6-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 40% Buffer |
Point to Point
6-Year
|
50%
Cap
|
| 6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 15% Buffer |
Point to Point
6-Year
|
125%
Participation
50%
Cap
|
| 6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer |
Point to Point
6-Year
|
125%
Participation
60%
Cap
|
| 6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 15% Buffer |
Point to Point
6-Year
|
110%
Participation
65%
Cap
|
| 6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 10% Buffer |
Point to Point
6-Year
|
110%
Participation
70%
Cap
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
10%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap 10% Buffer |
Point to Point
Annual
|
16.5%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap 10% Buffer |
Point to Point
Annual
|
17.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 1-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Annual
|
18.5%
Cap
|
| 1-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Annual
|
13%
Cap
|
| 1-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
Annual
|
8%
Cap
|
| 1-Year S&P 500 PTP Cap 40% Buffer |
Point to Point
Annual
|
6%
Cap
|
| 1-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Annual
|
8.5%
Cap
|
| 6-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
6-Year
|
60%
Cap
|
| 1-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer |
Point to Point
Annual
|
125%
Participation
11%
Cap
|
| 1-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 1-Year Russell 2000 PTP Cap 40% Buffer |
Point to Point
Annual
|
7.5%
Cap
|
| 6-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
6-Year
|
200%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
6-Year
|
85%
Cap
|
| 1-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Annual
|
10%
Cap
|
| 1-Year MSCI EAFE PTP Cap 40% Buffer |
Point to Point
Annual
|
5.5%
Cap
|
| 6-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
6-Year
|
350%
Cap
|
| 6-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
6-Year
|
95%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Annual
|
12.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Annual
|
10%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 40% Buffer |
Point to Point
Annual
|
6.3%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 1-Year Russell 2000 Step Up Segment 15% Buffer |
Performance Triggered
Annual
|
10%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment 10% Buffer |
Performance Triggered
Annual
|
8%
Performance triggered
|
| 1-Year Russell 2000 Step Up Segment 10% Buffer |
Performance Triggered
Annual
|
12%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment 10% Buffer |
Performance Triggered
Annual
|
8.8%
Performance triggered
|
| 1-Year S&P 500 Step Up Segment 15% Buffer |
Performance Triggered
Annual
|
7.5%
Performance triggered
|
| 1-Year MSCI EAFE Step Up Segment 15% Buffer |
Performance Triggered
Annual
|
6.5%
Performance triggered
|
| 6-Year S&P 500 Step Up Segment 10% Buffer |
Performance Triggered
6-Year
|
45%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up Segment 10% Buffer |
Performance Triggered
Annual
|
11%
Performance triggered
|
| 1-Year Nasdaq-100 Step Up Segment 15% Buffer |
Performance Triggered
Annual
|
9.5%
Performance triggered
|
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Return of Premium Death Benefit | No | 0.20% annually |
Waivers
No Waivers for Structured Capital Strategies Plus 21 Series Select annuity.
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
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.
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 ProgramStandard systematic withdrawal service program to allow specified percentage or dollar amount withdrawals. Frequency: withdrawals may be taken monthly, quarterly or annually. Withdrawal ChargeNone.
Company Founded: 1859
Excellent Rated
Company
Company Ratings
4.1
- A.M. Best A
- S&P A+
- Moody's A1
- Comdex 84
Assets: $17,770,279,563
Arizona
