ForeStructured Growth
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Highlights
ForeStructured Growth is a registered index-linked annuity. It provides interest crediting strategies that track to an index to provide market-linked growth potential, subject to limits, while offering a range of options designed to offer full or partial downside protection. A One-Year Fixed Strategy is also available.
Aggregate Floor
The dollar amount representing the guaranteed Strategy Contract Value floor applicable to each Strategy Term of the Aggregate Floor Indexed Strategy. The initial Aggregate Floor is equal to 90% of your initial investment allocation to the Aggregate Floor Indexed Strategy. The Aggregate Floor amount may increase due to positive Index performance from one consecutive Strategy Term to the next , as well as from transfers of additional Strategy Contract Value into the Aggregate Floor Indexed Strategy at the start of any new consecutive Strategy Term. The Aggregate Floor amount may also increase or decrease upon the election of the reset feature.
This strategy is not currently available in the database, please see the Official carrier illustrations.
Aggregate Floor
The dollar amount representing the guaranteed Strategy Contract Value floor applicable to each Strategy Term of the Aggregate Floor Indexed Strategy. The initial Aggregate Floor is equal to 90% of your initial investment allocation to the Aggregate Floor Indexed Strategy. The Aggregate Floor amount may increase due to positive Index performance from one consecutive Strategy Term to the next , as well as from transfers of additional Strategy Contract Value into the Aggregate Floor Indexed Strategy at the start of any new consecutive Strategy Term. The Aggregate Floor amount may also increase or decrease upon the election of the reset feature.
This strategy is not currently available in the database, please see the Official carrier illustrations.
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
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
8%8%7%6%5%4% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Find out if the ForeStructured Growth is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 6-Year S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 6-Year S&P 500 Tiered Participation Rate (10% tier) with 5% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.75%
Fixed
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
18%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
| 6-Year UBS Climate Aware Equity PTP Cap with 20% Buffer |
Point to Point
6-Year
|
150%
Cap
|
| 6-Year UBS Climate Aware Equity PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
95%
Participation
|
| 6-Year Franklin US Equity PTP Cap with 20% Buffer |
Point to Point
6-Year
|
150%
Cap
|
| 6-Year Franklin US Equity PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
95%
Participation
|
| 6-Year Fidelity US Corporate Strength PTP Cap with 20% Buffer |
Point to Point
6-Year
|
150%
Cap
|
| 6-Year Fidelity US Corporate Strength PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
95%
Participation
|
| 6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
400%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
110%
Participation
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
15.5%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 1-Year UBS Climate Aware Equity PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
70%
Participation
|
| 1-Year Franklin US Equity PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
70%
Participation
|
| 1-Year S&P 500 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year Franklin US Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
24%
Cap
|
| 6-Year S&P 500 Tiered Participation Rate (10% tier) with 5% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 6-Year S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.5%
Cap
|
| 6-Year UBS Climate Aware Equity PTP Cap with 20% Buffer |
Point to Point
6-Year
|
200%
Cap
|
| 6-Year UBS Climate Aware Equity PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year Franklin US Equity PTP Cap with 20% Buffer |
Point to Point
6-Year
|
200%
Cap
|
| 6-Year Franklin US Equity PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year Fidelity US Corporate Strength PTP Cap with 20% Buffer |
Point to Point
6-Year
|
200%
Cap
|
| 6-Year Fidelity US Corporate Strength PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
500%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
12.5%
Cap
|
| 1-Year UBS Climate Aware Equity PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year Franklin US Equity PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
80%
Participation
|
| 1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
80%
Participation
|
| 1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year S&P 500 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
80%
Participation
|
| 1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Franklin US Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
25%
Cap
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
19%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| ForeStructured Growth ROP Death Benefit Age 71+ | No | 0.50% annually |
| ForeStructured Growth ROP Death Benefit Age 0-70 | No | 0.20% annually |
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