Market Link Pro
Market Link Pro
Ratings:
- A.M. Best A
- Fitch A
- S&P A
- Moody's A3
- Comdex 74
About Product
Income Options
You can choose to begin taking income from your Contract at any time, but all of the Contract Value must be annuitized. Withdrawal Charges (if you begin taking income in the first Contract Year) will apply, and we will use your Interim Value (if you begin taking income on any day other than the Index Account Option Term Anniversary) to calculate your income payments.
You may choose from the following annuitization options:
- Life Income
- Joint Life and Survivor Income
- Life Income with Guaranteed Payments for 10 Years or 20 Years
- Life Income for a Specified Period.
Allocation Accounts
Name | Type | Rates |
---|---|---|
1-Year Fixed Account |
Fixed
|
3%
Fixed
|
6-Year MSCI Emerging Markets PTP Cap with -10% Floor |
Point to Point
6-Year
|
400%
Cap
|
1-Year MSCI EAFE PTP Cap with -20% Floor |
Point to Point
Annual
|
100%
Cap
|
6-Year MSCI EAFE PTP Cap with 10% Buffer |
Point to Point
6-Year
|
400%
Cap
|
6-Year MSCI EAFE PTP Cap with 20% Buffer |
Point to Point
6-Year
|
400%
Cap
|
6-Year MSCI EAFE PTP Cap with -10% Floor |
Point to Point
6-Year
|
400%
Cap
|
6-Year MSCI EAFE PTP Cap with -20% Floor |
Point to Point
6-Year
|
400%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with 10% Buffer |
Point to Point
Annual
|
19%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with 20% Buffer |
Point to Point
Annual
|
11.75%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with -10% Floor |
Point to Point
Annual
|
18.5%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with -20% Floor |
Point to Point
Annual
|
100%
Cap
|
6-Year MSCI Emerging Markets PTP Cap with 10% Buffer |
Point to Point
6-Year
|
400%
Cap
|
6-Year MSCI Emerging Markets PTP Cap with 20% Buffer |
Point to Point
6-Year
|
400%
Cap
|
1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
8.75%
Cap
|
6-Year MSCI Emerging Markets PTP Cap with -20% Floor |
Point to Point
6-Year
|
400%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with 10% Buffer |
Point to Point
Annual
|
11%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with 20% Buffer |
Point to Point
Annual
|
8.25%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with -10% Floor |
Point to Point
Annual
|
10.25%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with -20% Floor |
Point to Point
Annual
|
13.75%
Cap
|
6-Year MSCI KLD 400 Social PTP Cap with 10% Buffer |
Point to Point
6-Year
|
135%
Cap
|
6-Year MSCI KLD 400 Social PTP Cap with 20% Buffer |
Point to Point
6-Year
|
75%
Cap
|
6-Year MSCI KLD 400 Social PTP Cap with -10% Floor |
Point to Point
6-Year
|
56%
Cap
|
6-Year MSCI KLD 400 Social PTP Cap with -20% Floor |
Point to Point
6-Year
|
70%
Cap
|
1-Year Russell 2000 PTP Cap with -10% Floor |
Point to Point
Annual
|
17.25%
Cap
|
1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
12.25%
Cap
|
1-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
Annual
|
11.25%
Cap
|
1-Year S&P 500 PTP Cap with -20% Floor |
Point to Point
Annual
|
16%
Cap
|
6-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
6-Year
|
400%
Cap
|
6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
225%
Cap
|
6-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
6-Year
|
62%
Cap
|
6-Year S&P 500 PTP Cap with -20% Floor |
Point to Point
6-Year
|
85%
Cap
|
1-Year Russell 2000 PTP Cap with 10% Buffer |
Point to Point
Annual
|
19.5%
Cap
|
1-Year Russell 2000 PTP Cap with 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
1-Year MSCI EAFE PTP Cap with -10% Floor |
Point to Point
Annual
|
24%
Cap
|
6-Year Russell 2000 PTP Cap with -20% Floor |
Point to Point
6-Year
|
150%
Cap
|
1-Year MSCI EAFE PTP Cap with 20% Buffer |
Point to Point
Annual
|
12.25%
Cap
|
1-Year MSCI EAFE PTP Cap with 10% Buffer |
Point to Point
Annual
|
21%
Cap
|
1-Year Russell 2000 PTP Cap with -20% Floor |
Point to Point
Annual
|
31%
Cap
|
6-Year Russell 2000 PTP Cap with -10% Floor |
Point to Point
6-Year
|
88%
Cap
|
6-Year Russell 2000 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
400%
Cap
|
6-Year Russell 2000 PTP Cap with 10% Buffer |
Point to Point
6-Year
|
400%
Cap
|
1-Year Russell 2000 Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
12.1%
Performance triggered
|
1-Year Russell 2000 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
13%
Performance triggered
|
1-Year MSCI Emerging Markets Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
11.2%
Performance triggered
|
1-Year S&P 500 Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
8.9%
Performance triggered
|
1-Year MSCI KLD 400 Social Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
8.75%
Performance triggered
|
1-Year MSCI KLD 400 Social Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
8.3%
Performance triggered
|
1-Year S&P 500 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
9.4%
Performance triggered
|
1-Year MSCI EAFE Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
11.3%
Performance triggered
|
1-Year MSCI EAFE Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
11%
Performance triggered
|
1-Year MSCI Emerging Markets Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
11.3%
Performance triggered
|
Surrender schedule
Year | 1 | 2 | 3 | 4 | 5 | 6 |
---|---|---|---|---|---|---|
Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
No Riders for Market Link Pro annuity.
Waivers
Death
We do not assess the Withdrawal Charge on any amounts paid out as: death benefits
Terminal Illness
You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If you or your joint owner is diagnosed with a terminal illness that is expected to result in death within 12 months, you may access up to 100% of the contract value free of withdrawal charges. Limited to $250,000. All contract values will be reduced proportionately. A payment under the Terminal Illness Waiver is payable only once, regardless of any subsequent diagnosis. After the expiration of the withdrawal charge period, an Interim Value Proration Factor will apply. Taxes may apply.
Annuitization
We do not assess the Withdrawal Charge on any amounts paid out as: income payments during your Contract’s income phase (but the Withdrawal Charge is deducted at the Income Date if income payments are commenced in the first Contract Year)
Extended Care
Unavailable in states: CA, MA, and VA
You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If the you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity beginning after the contract issue date, you may access up to 100% of the contract value free of withdrawal charges. Limited to $250,000. All contract values will be reduced proportionately. A payment under the Extended Care Waiver is payable only once, regardless of any subsequent confinement. After the expiration of the withdrawal charge period, an Interim Value Proration Factor will apply. Taxes may apply. Home Health Care acceptable, it would require 24 hour in home care.
Premium Notes
You may allocate Premium to any available Indexed Account Option or Fixed Account. Each allocation must be a whole percentage between 0% and 100%. The minimum amount you may allocate to an Indexed Account Option or Fixed Account is $100.
Note: TSP funds have to be rolled into an IRA.
Withdrawal Provisions
Every contract year, you may withdraw up to the greater of earnings or 10% of contract value still subject to withdrawal charges, free of withdrawal charges. Available immediately. The Interim Value calculation may still apply.