You have the ability to transfer your money at the end of each index period into any available interest crediting strategy, allowing you the flexibility to adapt to changing sensibilities and times. FlexMark Select gives you the choice of a fee* or no-fee version of each index option. • Fee Option * —In exchange for paying a fee, you will receive higher caps and/or participation rates than are available on the no-fee option. This translates to the opportunity for greater earnings. Index options with a fee are an excellent choice if you are looking to maximize your growth potential. Fee options are not available in all states. • No-Fee Option —If you’re not interested in paying a fee, a traditional no-fee option, which offers competitive rates, is a solid choice. • Fee * and No-Fee Combination —FlexMark Select allows you the flexibility to diversify your money among all available crediting strategies. That means you can split your premium among fee options, no-fee options, and the fixed account—allowing you to customize your accumulation path. To adapt your earnings approach as you see fit, you have the ability to transfer your money into or out of the fixed option, fee option(s), or no-fee option(s)—or a combination thereof—at the end of each index period. For descriptions of available index options, refer to the accompanying index option inserts. * Fee options are not available in all states, including Oregon. My Path:
“I’m a big believer that you get what you pay for, so I chose to put a good portion of my
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money in the fee options.”
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