Product Guide
4 non-tobacco Preferred Plus Non-Tobacco Preferred Non-Tobacco Select Non-Tobacco [(coming soon)] Standard Non-Tobacco 2 tobacco Preferred Tobacco [(coming soon)]
Risk Classes
Standard Tobacco Table ratings 1-10 No maturity age
Minimum Specified Amount
$25,000 for Standard underwriting classes $50,000 for all other underwriting classes
$1M: Age 20–50 $500K: Age 51-60 $350K: Age 61-65 [(coming soon)]
Max Specified Amount by Age
Crediting method: Index accounts are credited with a portion of any index growth (excluding dividends) at the end of each period using a point-to-point interest calculation. Gains are locked in each index period. Index sweep dates: 10th and 25th of each month. S&P 500® Index
One-Year, capped, 100% participation rate Two-Year, capped, 100% participation rate
Crediting Rate Options
S&P 500® Sector Rotator Daily RC2 5% Index 1 One-Year, uncapped, adjustable participation rate BNP Paribas Momentum Multi-Asset 5 Index 2 One-year, uncapped, adjustable participation rate Two-year, uncapped, adjustable participation rate Fixed Account with a periodically-declared interest rate not linked to an index.
1 The S&P 500 Sector Rotator Daily RC2 5% Index has limited historical information having launched on 10/19/2018. For more information about the S&P 500 Sector Rotator Daily RC2 5% Index, visit https://www.spglobal.com/spdji/en/indices/strategy/sp-500-sector-rotator- daily-rc2-5-index/#overview. 2 The BNP Paribas Momentum Multi-Asset 5 Index (BNPP Momentum 5 Index) has limited historical information. The BNPP Momentum 5 Index is an index strategy, launched on 1/27/ 2017. For more information about the BNPP Momentum 5 Index, visit https:// momentum5index.bnpparibas.com.
For financial professional use only. Not for use with clients.
IUL-AG-0723
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