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Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.2%
Fixed
|
| 1-Year S&P 500 PTP Cap with Bailout |
Point to Point
Annual
|
5.5%
Cap
|
| 1-Year Nasdaq-100 Engle 10% PTP Participation Rate |
Point to Point
Annual
|
58%
Participation
|
| 1-Year Barclays Tactical Growth PTP Participation Rate |
Point to Point
Annual
|
63%
Participation
|
| 2-Year Nasdaq-100 Engle 10% PTP Participation Rate |
Point to Point
Biennial
|
82%
Participation
|
| 2-Year Barclays Tactical Growth PTP Participation Rate |
Point to Point
Biennial
|
92%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.4%
Fixed
|
| 1-Year S&P 500 PTP Cap with Bailout |
Point to Point
Annual
|
6.5%
Cap
|
| 1-Year Nasdaq-100 Engle 10% PTP Participation Rate |
Point to Point
Annual
|
64%
Participation
|
| 1-Year Barclays Tactical Growth PTP Participation Rate |
Point to Point
Annual
|
69%
Participation
|
| 2-Year Nasdaq-100 Engle 10% PTP Participation Rate |
Point to Point
Biennial
|
91%
Participation
|
| 2-Year Barclays Tactical Growth PTP Participation Rate |
Point to Point
Biennial
|
101%
Participation
|
| 2-Year S&P 500 Engle 16% VT TCA PTP Participation Rate |
Point to Point
Biennial
|
55%
Participation
|
| 1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate |
Point to Point
Annual
|
36%
Participation
|
| 1-Year S&P 500 Engle 16% VT TCA PTP Participation Rate |
Point to Point
Annual
|
36%
Participation
|
| 2-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate |
Point to Point
Biennial
|
54%
Participation
|
| 2-Year S&P 500 Engle 16% VT TCA PTP Participation Rate |
Point to Point
Biennial
|
61%
Participation
|
| 2-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate |
Point to Point
Biennial
|
60%
Participation
|
| 1-Year S&P 500 Engle 16% VT TCA PTP Participation Rate |
Point to Point
Annual
|
40%
Participation
|
| 1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 12% PTP Participation Rate |
Point to Point
Annual
|
40%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Hypothetical Projection
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Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Premium Bonus Rider | Yes | 0.85% annually |
Waivers
Bail-Out
If the declared rate for the S&P 500 - 1-YR Cap Rate ever falls below the corresponding declared Bailout Rate, contract owners have up to 30 days to withdraw the Contract Value without Withdrawal Charges or Market Value Adjustment.
Hospital
Contract Owner may withdraw any amount up to the Contract Value without Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product) upon qualification under a waiver. Waiver of Withdrawal Charge for Nursing Home or Hospital Confinement: 1. Eligibility must begin after the first contract anniversary; 2. Must be confined to a qualified facility for 90 consecutive days.
Nursing Home
Contract Owner may withdraw any amount up to the Contract Value without Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product) upon qualification under a waiver. Waiver of Withdrawal Charge for Nursing Home or Hospital Confinement: 1. Eligibility must begin after the first contract anniversary; 2. Must be confined to a qualified facility for 90 consecutive days.
Terminal Illness
Contract Owner may withdraw any amount up to the Contract Value without Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product) upon qualification under a waiver. Waiver of Withdrawal Charge for Terminal Illness: 1. Eligibility must begin after the first contract anniversary; 2. Diagnosis must be made by a certified physician that death will occur in 12 months or less.
ADL
Contract Owner may withdraw any amount up to the Contract Value without Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product) upon qualification under a waiver. Waiver of Withdrawal Charge for Activities of Daily Living (ADLs): 1. Eligibility must begin after the first contract anniversary; 2. Must be unable to perform at least 2 of 6 ADLs for at least 90 continuous days.
RMD
Required Minimum Distributions are treated as penalty-free withdrawals up to the RMD amount, even when the RMD exceeds the stated free withdrawal limit.
Premium Notes
0-78
If jointly owned, eligibility is based on older owner’s age.
Withdrawal Provisions
Penalty-Free Withdrawals & Required Minimum DistributionsAfter the first contract anniversary, 10% of the Contract Value is available for withdrawal free of any Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product). Any time a withdrawal exceeds the Penalty-Free Withdrawal Amount, the excess will incur Withdrawal Charges, MVA, or Premium Bonus Recapture Amounts (if applicable to the product). Required Minimum Distribution (RMDs) are mandatory withdrawals from qualified contracts. RMDs are not available during the first year and must be processed by the current carrier prior to any transfer. Thereafter, RMDs will be treated as Penalty-Free Withdrawals up to the RMD amount, even if it exceeds the stated Free Withdrawal Amount Market Value Adjustment A Market Value Adjustment (MVA) applies to any full or partial withdrawal to which a Withdrawal Charge applies. An MVA can either decrease or increase the amount received from a withdrawal based on movements in an external index and years remaining in the Withdrawal Charge period.
- A.M. Best A-
