The S&P 500 ® Index has been positive 73% of the time over the last 30 years with an average annual return of 9.09% Index performance (without dividends), 1993-2022
Upside potential Interest is earned only when index performance is positive
40%
30%
20%
10%
0%
-10%
Downside protection No interest is earned or lost when index performance is negative
-20%
-30%
-40%
1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 2019 2021
Source: S&P Dow Jones Indices LLC, 2023. Past performance is not a guarantee of future results. The S&P 500 ® Index is a broad-based, market-cap weighted index of 500 U.S. stocks. It is a price return index that does not include the impact of dividends. The above index returns do not reflect the amount of interest credited to an index interest account. Actual results for a specific insurance contract depend on the account chosen and the crediting mechanisms, such as index rate caps, for the time period shown. These mechanisms may limit or reduce the amount of interest earned. Indices are unmanaged and not available for direct investment.
2 The initial fixed rate is guaranteed for the first contract year, after which it is subject to change on contract anniversaries. May not be available in all states. 3 An index rate cap is the maximum amount of interest that can be earned over a specific period (an index term). 4 For index annuities with a guaranteed living benefit rider (discussed later in this brochure), or with index interest accounts that are subject to annual fees (available only in select annuities), the annuity value can be reduced by rider or account fees in prolonged down markets.
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