Flexibility What’s your comfort zone?
With AccuMax 7, you have the flexibility to choose one or more of seven crediting strategies based in part on your needs and comfort level. To help choose what’s right for you, here are the pieces that make up each strategy.
Index An index is part of what determines how your money could grow.
Your money is not invested directly in the actual index. Instead, you receive interest credits based in part on index performance. You can allocate your premium among one or more index crediting strategies. The index options with AccuMax 7 give you a blend of choices that complement each other and can help you choose what works for you.
S&P 500® Index (SPX)
AI Powered Multi-Asset Index (AIMAX)
Shiller Barclays CAPE® Allocator 6 Index (BXIISC6E)
Large cap benchmark
Diversified exposure to multiple asset classes
Value stock sector rotation strategy
Widely regarded as the best single gauge of large-cap U.S. equities, this index captures approximately 80% of available market capitalization.
This multi-asset index uses IBM Watson® to analyze millions of data points daily. Based on this analysis, AiMAX evaluates each asset, finds those whose prices are poised for growth and rebalances its portfolio weekly. AiMAX targets a 5% daily volatility.
This index aims to provide exposure to U.S. sectors that appear to be undervalued according to their Cyclically Adjusted Price to Earnings (or CAPE®) ratio and a basket of U.S. Treasuries while targeting a 6% daily volatility.
Crediting method
• Point-to-Point means interest credits are based on the difference between the value of the index at the start of the term and the end of the term, subject to a Participation Rate, which is the percentage of any index gain that is credited to the annuity. • Annual Interval Sum, or Annual Sum, means interest credits are based on the sum of annual index changes, subject to a Participation Rate when index performance is positive and a floor when index performance is negative. • Fixed rate means interest credits are based on a declared rate that lasts for a specified amount of time. • AccuMax 7 offers interest crediting strategies of 1 or 7 years. You can divide your money among more than one crediting strategy.
This refers to the way we calculate interest credits. Term How long do you want the crediting strategy to last?
AccuMax 7 Interest Crediting Strategies Strategy Name
Term
Crediting Method
7-year Point-to-Point S&P 500® Index
7 years
Point-to-Point
7-year Point-to-Point AI Powered Multi-Asset Index*
7 years
Point-to-Point
7-year Point-to-Point Shiller Barclays CAPE® Allocator 6 Index*
7 years
Point-to-Point
7-year Annual Interval Sum S&P 500® Index
7 years
Annual Sum
1-year Point-to-Point AI Powered Multi-Asset Index*
1 year
Point-to-Point
1-year Point-to-Point Shiller Barclays CAPE® Allocator 6 Index*
1 year
Point-to-Point
Fixed
1 year
Fixed
Please refer to the Product Guide for additional details and available index options. 7-Yr strategy options are only available in the first Contract Year. * Because the index applies a volatility control mechanism, the range of both the positive and negative performance of the index is limited.
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