Choose the index interest accounts that help fit your accumulation needs
Each account may earn interest based partly on the performance of an index. Choose from an index that focuses on one asset class to those that diversify across many. Interest earned varies depending on the performance potential of the index and the index interest account selected. Index interest accounts The table below shows the account options available for each index. For example, with the S&P 500® Index, you can choose from 3 index interest accounts, each with an index rate cap, participation (PAR) rate or enhanced PAR rate.
Index interest account options
Index Rate Cap
Participation (PAR) Rate
Enhanced PAR Rate 2
Index Term
S&P 500 ® U.S. stock index composed of 500 leading stocks
Equity market index
Annual Point-to-Point
AQR DynamiQ Allocation Index ® Multi-style index across global equities and fixed income
Annual Point-to-Point
2-Year Point-to-Point
Multi-asset risk-managed indices
Annual Point-to-Point
ML Strategic Balanced Index ® Hybrid index of stocks, bonds and cash
2-Year Point-to-Point
PIMCO Global Optima Index ® Dynamic index of global equity and U.S. fixed income markets
Annual Point-to-Point
2-Year Point-to-Point
1-Year Fixed Account that provides the comfort and security of a guaranteed rate. Rate is subject to change on contract anniversaries.
Fixed Interest Account
2 Available for an annual fee. This chart is not intended to recommend any specific account(s). Consult your financial professional or agent to determine which account(s) are appropriate for your specific situation and risk tolerance. The S&P 500® is a price return index and does not include dividends. Assets are not directly invested in any indices or stocks, therefore your contract value will not decline due to market downturns. Interest earned is never less than zero in flat or down markets. Principal may decline due to withdrawals and/or fees. Enhanced PAR Rate index interest accounts may not be available in all states.
3
Made with FlippingBook - Share PDF online