Allocation Paths
Choose among Allocation Options as Best Suits You
GS Momentum Builder® Multi-Asset Class (GSMAC) Index 2 | One-, Two- and Three- Year Point-to-Point
1 S&P 500® Index | One-Year Point-to-Point
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This option determines and locks in positive interest, if any, annually. It credits an interest rate that factors in the change in value of the S&P 500 Index from the start date to the end date of the one-year crediting period: \ adjusted by a percentage (a 100% “participation rate” unless declared otherwise in advance 1 ) and \ subject to a maximum (an “interest rate cap” declared in advance that will never be less than 1%) Your account value never declines due to index performance.
This index is sponsored by global investment bank Goldman Sachs. These options credit positive interest, if any, every one, two or three years. The interest rate factors in the change in value of the index
from the start date to the end date of the crediting period: \ adjusted by a percentage (a participation rate declared in advance 1 ) There is no interest rate cap to limit your upside return. And your account value never declines due to index performance. Goldman Sachs designed the index with a volatility control feature to minimize large swings in the index and limit exposure to market highs and lows. This momentum-driven index uses a dynamic-allocation strategy across six asset classes: \ Domestic Equity \ International Equity \ Domestic Bonds \ International Bonds
J.P. Morgan Strategic Balanced SM Index 2 | One-, Two- and Three-Year Point-to-Point
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This index is sponsored by global investment bank J.P. Morgan. These options credit positive interest, if any, every one, two or three years. The interest rate factors in the change in value of the index from the start date to the end date of the crediting period: \ adjusted by a percentage (a participation rate declared in advance 1 ) There is no interest rate cap to limit your upside return. And your account value never declines due to index performance. Two components make up the rules-based Index: \ High Dividend Stocks (as represented by the PowerShares S&P 500® High Dividend Low Volatility Portfolio) \ Dynamically Rebalanced Bonds (as represented by the J.P. Morgan Total Return Index) The index targets a 6% volatility and rebalances on a daily basis to minimize large swings in the index and limit exposure to markets highs and lows.
\ Commodities \ Money Market
4 Fixed Interest Option | One Year This option credits daily interest at a fixed rate declared in advance and guaranteed for an index year. Integrity guarantees a minimum interest rate as defined in your contract. Currently available indexed interest options and crediting periods may be changed or eliminated in the future. If it is our choice to make a change or elimination, we will notify you. Such a change or elimination will only be at the end of the crediting period. If an index is eliminated or substantially changed by the index provider, we will notify you and make a reasonable substitution.
1 The minimum participation rate is 10%. 2 Index objectives may not be met. See the separate brochure for details and risks of this index and the one-, two- and three-year allocation options. Three-Year Point-to-Point crediting options not available with the 5-year product. See page 7 for details.
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