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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Structured Capital Strategies Plus 21 Series Select

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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 Select 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
45% Cap
1-Year S&P 500 Loss Limiter 90 Cap 10% Buffer
Loss Limiter 90
Annual
8% Cap
1-Year S&P 500 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
6% Performance triggered
1-Year S&P 500 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
7% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year Russell 2000 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.3% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
7.5% Performance triggered
1-Year MSCI EAFE Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
5.5% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 10% Buffer
Dual Step Up
Annual
9% Performance triggered
1-Year Nasdaq-100 Dual Step Up Segment 15% Buffer
Dual Step Up
Annual
7.2% Performance triggered
1-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
Annual
10% Cap
1-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
Annual
14.5% Cap
1-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
Annual
7.5% 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
11% Cap
1-Year MSCI EAFE Dual Direction Cap 15% Buffer
Dual Directional
Annual
5.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
Annual
13.5% Cap
1-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
Annual
9% Cap
6-Year Russell 2000 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
105% Cap
6-Year Russell 2000 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
84% Cap
6-Year Russell 2000 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
65% 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
175% Cap
6-Year Nasdaq-100 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
80% Cap
6-Year Nasdaq-100 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
75% Cap
6-Year Nasdaq-100 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
70% Cap
6-Year S&P 500 Dual Direction Cap 10% Buffer
Dual Directional
6-Year
100% Cap
6-Year S&P 500 Dual Direction Cap 15% Buffer
Dual Directional
6-Year
70% Cap
6-Year S&P 500 Dual Direction Cap 20% Buffer
Dual Directional
6-Year
60% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
15% Cap
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
12% 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
16% Cap
6-Year S&P 500 PTP Cap 40% Buffer
Point to Point
6-Year
55% 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
300% Cap
1-Year EURO STOXX 50 PTP Cap 15% Buffer
Point to Point
Annual
18% Cap
6-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
6-Year
175% Cap
1-Year MSCI Emerging Markets PTP Cap 15% Buffer
Point to Point
Annual
16% Cap
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
100% 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
60% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
125% Participation
55% Cap
6-Year S&P 500 Enhanced Upside 125% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
125% Participation
65% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 15% Buffer
Point to Point
6-Year
110% Participation
70% Cap
6-Year S&P 500 Enhanced Upside 110% Participation Rate with Cap 10% Buffer
Point to Point
6-Year
110% Participation
80% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
10.5% Cap
1-Year EURO STOXX 50 PTP Cap 10% Buffer
Point to Point
Annual
45.5% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
22.5% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
15.5% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
19.5% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
17.5% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
12.5% Cap
1-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Annual
11.5% Cap
1-Year S&P 500 PTP Cap 40% Buffer
Point to Point
Annual
7% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
9% 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
85% 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
14% 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
8.5% 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
14.5% Cap
1-Year MSCI EAFE PTP Cap 40% Buffer
Point to Point
Annual
11% 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
11.5% Cap
1-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Annual
11% Cap
1-Year Nasdaq-100 PTP Cap 40% Buffer
Point to Point
Annual
8% Cap
6-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
6-Year
80% 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
10% Performance triggered
1-Year Russell 2000 Step Up Segment 10% Buffer
Performance Triggered
Annual
11.3% Performance triggered
1-Year S&P 500 Step Up Segment 10% Buffer
Performance Triggered
Annual
9% Performance triggered
1-Year S&P 500 Step Up Segment 15% Buffer
Performance Triggered
Annual
8% Performance triggered
1-Year MSCI EAFE Step Up Segment 15% Buffer
Performance Triggered
Annual
8.5% 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
10% 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 Select annuity.

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