Fixed-indexed annuities offer multiple interest strategies to help you build your savings. A fixed-indexed annuity has two phases – an accumulation phase and an income phase. During the accumulation phase, the money you contribute to your annuity can earn interest tied to positive market performance. During the income phase, the money you’ve earned in your annuity can be turned into a stream of income payments.
We offer two types of strategies during the accumulation phase:
• A declared rate strategy allows you to grow your money at a fixed interest rate that is set at the beginning of each term. • Indexed strategies offer you the unique opportunity to earn interest based, in part, on market performance without the risk of market loss. You have the flexibility to choose the strategies that are right for you. We know your needs may change over time, so you can revisit your strategy selections at the end of each term.
See page six for more information on how the indexed strategies work.
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