ForeAccumulation II 10 with Premium Enhancement
The ForeAccumulation II 10 Annuity with Premium Enhancement is a smart choice for future planning. It stands out with its excellent growth potential and fantastic bonus on initial premium.
Whether you're thinking of retirement or just securing a comfortable financial future, this product is a trusty investment highway. With strong guarantees and reliable income stream, your peace of mind is assured!
ForeAccumulation II 10 with Premium Enhancement
About Product
Please note the Premium Bonus Enhancement Rider is inbuilt into this product. A product with no Enhancement Rider is available separately.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.15%
Fixed
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
5.75%
Cap
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
150%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
150%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
210%
Participation
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
0.25%
Spread
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
140%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
12.75%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
5.75%
Cap
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
150%
Participation
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
5.25%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
3.25%
Fixed
|
| 2-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Biennial
|
155%
Participation
|
| 1-Year Franklin US PTP Participation Rate |
Point to Point
Annual
|
115%
Participation
|
| 2-Year Franklin US PTP Participation Rate |
Point to Point
Biennial
|
155%
Participation
|
| 1-Year JP Morgan Cross-Asset Strategy PTP Participation Rate |
Point to Point
Annual
|
115%
Participation
|
| 2-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Biennial
|
155%
Participation
|
| 1-Year BlackRock Diversa Volatility Control PTP Participation Rate |
Point to Point
Annual
|
115%
Participation
|
| 2-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Biennial
|
215%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year BlackRock Diversa Volatility Control PTP Cap |
Point to Point
Annual
|
13%
Cap
|
| 1-Year MSCI EAFE PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year PIMCO Balanced PTP Participation Rate |
Point to Point
Annual
|
145%
Participation
|
| 2-Year Franklin US PTP Spread |
Point to Point
Biennial
|
0.25%
Spread
|
| 1-Year S&P 500 Performance Trigger |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
| 1-Year S&P 500 PTP Locked Cap |
Point to Point
Annual
|
5%
Cap
|
| 1-Year S&P 500 PTP Locked Cap |
Point to Point
Annual
|
5%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
No Riders for ForeAccumulation II 10 with Premium Enhancement annuity.
Waivers
Bail-Out
The Contract Value may be withdrawn with no Withdrawal Charges or MVA if after the Initial Strategy Term expires the renewal rates/caps are set at rates below (above for spread-based strategies) the Bailout Rate (Withdrawal Charge Waiver Rate).
Nursing Home
At any time on or after the Issue Date of the policy, if you should become confined to an approved nursing facility for at least 90 consecutive days, withdrawal charges and MVA on any portion of the contract value withdrawn will be waived. The nursing care waiver does not include home health care.
Terminal Illness
If you have been diagnosed with a terminal illness after the first contract anniversary, withdrawal charges and MVA will be waived on any portion of the contract value withdrawn.
Withdrawal Provisions
Death Benefit Remaining contract value passes to beneficiaries at no additional charge. Enhanced Death Benefit An optional enhanced death benefit will be available at an annual cost of 0.50%, assessed at the end of the contract year, based off of the Enhanced Death Benefit amount. The benefit will be comprised of a guaranteed roll-up of 7.00% simple interest for 15 years based off of premiums, less withdrawals. All withdrawals will reduce the benefit. A minimum issue age of 0 and maximum age of 75 will apply.
- A.M. Best A
- Fitch A
- S&P A-
- Moody's A2
- Comdex 75
