ForeStructured Growth Advisory
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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
|
Registered Index-Linked |
|---|---|
| Purpose | Accumulation & Legacy |
|
Term
|
6 Years |
|
Surrender schedule
|
2%2%2%2%2%2% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Launch date
|
02/14/2022 |
|
Minimum contribution
|
$25,000 |
|
Maximum contribution
|
$1,000,000 |
|
Max Age Qualified
|
85 |
|
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 Advisory is the right product for you.
Premium Notes
Issue Ages
- 0–85
Premium Limits
- Minimum: $25,000
- Maximum (Issue Ages 0-80): $1,000,000 without prior approval (as measured by total premium per person for all annuities with the company)
- Maximum (Issue Ages 81-85): $500,000 without prior approval (as measured by total premium per person for all annuities with the company)
Plan Types
- Non-Qualified, Non-Qualified Stretch*
- Qualified: Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA
*Requires use of systematic withdrawal program (life expectancy option); a maximum issue age of 75; optional death benefit rider not available.
Note: TSP funds have to be rolled into an IRA.
Note: TSP funds have to be rolled into an IRA.
Withdrawal Provisions
Free Withdrawals
Up to 10% of the beginning-of-year contract value may be withdrawn annually without Schedule incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the free withdrawal amount during the withdrawal charge period.
SystematicWithdrawals to Pay Advisory Fee
Owners of an I-share class Contract may request withdrawals from Contract Value to pay advisory fees up to a maximum rate of 1.5% per annum.
Up to 10% of the beginning-of-year contract value may be withdrawn annually without Schedule incurring a withdrawal charge. Withdrawal charges apply to amounts withdrawn in excess of the free withdrawal amount during the withdrawal charge period.
SystematicWithdrawals to Pay Advisory Fee
Owners of an I-share class Contract may request withdrawals from Contract Value to pay advisory fees up to a maximum rate of 1.5% per annum.
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 (20% tier) with 5% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
19.75%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
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
|
100%
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
|
100%
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
|
100%
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
|
115%
Participation
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
12.75%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
12.75%
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
|
75%
Participation
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
17.75%
Cap
|
| 1-Year Fidelity US Corporate Strength PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
Participation
|
| 1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer |
Point to Point
Annual
|
15.75%
Cap
|
| 1-Year Franklin US Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
15.75%
Cap
|
| 1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
15.75%
Cap
|
| 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
|
80%
Participation
|
| 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 (20% tier) with 5% Buffer |
Tiered Participation Rate
6-Year
|
100%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
| 1-Year Fidelity US Corporate Strength PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 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 UBS Climate Aware Equity PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
80%
Participation
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
18%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
Point to Point
Annual
|
7.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
20%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
13%
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
|
105%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 1-Year Nasdaq-100 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
75%
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
|
105%
Participation
|
| 1-Year Franklin US Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
13%
Cap
|
| 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
|
105%
Participation
|
| 1-Year UBS Climate Aware Equity PTP Cap with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year S&P 500 PTP Participation Rate with 10% Buffer |
Point to Point
Annual
|
85%
Participation
|
| 6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
500%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 2% | 2% | 2% | 2% | 2% | 2% |
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 |
Waivers
Bail-Out
The bailout waiver provides option to surrender or take a partial withdrawal from your Contract without Withdrawal Charges and a MVA, if the upside Crediting Rate for a Indexed Strategy for that Strategy Term is set less favorable than the bailout rate for that strategy. Six year Indexed Strategies do not have a bailout waiver because Withdrawal Charges and MVAs do not apply after the sixth Contract Year. You do not have to allocate your Contract Value to the Indexed Strategy that is eligible for the bailout waiver in order for you to exercise the bailout waiver and surrender your Contract. The waiver will apply automatically to any withdrawal or surrender request that occurs during a Contract Year in which the bailout provision is triggered for any Indexed Strategy.
Nursing Home
Unavailable in states: CA
At any time on or after the Issue Date of the contract, 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
Unavailable in states: CA
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.
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