Market Link Pro II
Highlights
Type
|
Registered Index-Linked |
---|---|
Purpose | Lifetime Income |
Term
|
6 Years |
Surrender schedule
|
8%8%7%6%5%4% |
Free withdrawal
|
10% |
Market value adjustment
|
|
Return of premium
|
|
Launch date
|
06/05/2023 |
Minimum contribution
|
$25,000 |
Maximum contribution
|
$1,000,000 |
Max Age Qualified
|
85 |
Types of funds
|
Non-Qualified, 401k, Profit Sharing, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and NQ Stretch |
Brochure
|
Open brochure |
Find out if the Market Link Pro II is the right product for you.
Premium Notes
Minimum Single Premium is $25,000. Subsequent premiums not allowed.
Withdrawal Provisions
Every contract year, you may withdraw up to the greater of earnings or 10% of remaining premium, free of withdrawal charges. The Interim Value calculation may still apply.
Each contract year, the greater of 10% of remaining premium still subject to withdrawal charges at the beginning of the contract year or earnings. Free withdrawals not taken in a contract year are not available in future contract years.
Allocation Accounts
Name | Type | Rates |
---|---|---|
6-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
1-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
8.75%
Cap
|
3-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
42%
Cap
|
6-Year MSCI EAFE Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
150%
Cap
|
6-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
116%
Cap
|
3-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
37%
Cap
|
1-Year Russell 2000 Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
10.75%
Cap
|
1-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
10.25%
Cap
|
3-Year MSCI Emerging Markets Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
45%
Cap
|
6-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
82%
Cap
|
6-Year MSCI KLD 400 Social Performance Boost Cap with 10% Buffer |
Performance Boost
6-Year
|
72%
Cap
|
3-Year MSCI KLD 400 Social Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
25%
Cap
|
1-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
8.25%
Cap
|
3-Year S&P 500 Performance Boost Cap with 10% Buffer |
Performance Boost
Triennial
|
27.5%
Cap
|
1-Year MSCI KLD 400 Social Performance Boost Cap with 10% Buffer |
Performance Boost
Annual
|
7.65%
Cap
|
1-Year Fixed Account |
Fixed
|
3%
Fixed
|
6-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
100%
Participation
195%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
21%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
13.25%
Cap
|
1-Year MSCI Emerging Markets PTP Cap with Participation Rate with -10% Floor |
Point to Point
Annual
|
100%
Participation
22.5%
Cap
|
3-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
350%
Cap
|
3-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
82%
Cap
|
6-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
92%
Cap
|
6-Year MSCI Emerging Markets PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
400%
Cap
|
6-Year MSCI Emerging Markets PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
400%
Cap
|
3-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
28.5%
Cap
|
1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
12.5%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
11.25%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
9%
Cap
|
1-Year MSCI KLD 400 Social PTP Cap with Participation Rate with -10% Floor |
Point to Point
Annual
|
100%
Participation
11.25%
Cap
|
3-Year MSCI KLD 400 Social PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
35%
Cap
|
6-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
400%
Cap
|
1-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
9.75%
Cap
|
1-Year S&P 500 PTP Cap with Participation Rate with -10% Floor |
Point to Point
Annual
|
100%
Participation
12.5%
Cap
|
3-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
40%
Cap
|
3-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
32%
Cap
|
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
107%
Participation
400%
Cap
|
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
102%
Participation
400%
Cap
|
1-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
18.5%
Cap
|
1-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
13%
Cap
|
1-Year Russell 2000 PTP Cap with Participation Rate with -10% Floor |
Point to Point
Annual
|
100%
Participation
18.25%
Cap
|
3-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
60%
Cap
|
3-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
43%
Cap
|
6-Year Russell 2000 PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
105%
Participation
400%
Cap
|
6-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
110%
Participation
400%
Cap
|
6-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
400%
Cap
|
3-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Triennial
|
105%
Participation
350%
Cap
|
1-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Annual
|
100%
Participation
20%
Cap
|
1-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer |
Point to Point
Annual
|
100%
Participation
13%
Cap
|
3-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer |
Point to Point
Triennial
|
120%
Participation
350%
Cap
|
1-Year MSCI EAFE PTP Cap with Participation Rate with -10% Floor |
Point to Point
Annual
|
100%
Participation
25%
Cap
|
1-Year MSCI KLD 400 Social Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
8.75%
Performance triggered
|
1-Year MSCI KLD 400 Social Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
8.75%
Performance triggered
|
1-Year MSCI EAFE Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
10.6%
Performance triggered
|
1-Year MSCI EAFE Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
11.2%
Performance triggered
|
1-Year S&P 500 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
9.35%
Performance triggered
|
1-Year S&P 500 Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
9.35%
Performance triggered
|
1-Year MSCI Emerging Markets Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
12.4%
Performance triggered
|
1-Year MSCI Emerging Markets Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
12%
Performance triggered
|
1-Year Russell 2000 Performance Triggered with -10% Floor |
Performance Triggered
Annual
|
12.4%
Performance triggered
|
1-Year Russell 2000 Performance Triggered with 10% Buffer |
Performance Triggered
Annual
|
12.5%
Performance triggered
|
Surrender schedule
Year | 1 | 2 | 3 | 4 | 5 | 6 |
---|---|---|---|---|---|---|
Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
Name | Inbuilt | Fee |
---|---|---|
+Income Rider | No | 1.45% annually |
Waivers
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.
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.
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