PERSONALIZE YOUR RETIREMENT STRATEGY CHOICE OF INDEXED ACCOUNTS You may choose to allocate your contract value to one or a combination of accounts, which earn interest based on the positive performance of the Nasdaq-100 ® Index, the S&P 500 ® Index, the Smart Passage SG Index TM or the CS Tactical Multi Asset Index TM . 7
ABOUT THE NASDAQ-100 INDEX The Nasdaq-100 Index (NDX ® ) includes 100 of the largest domestic and international non-financial companies listed on The Nasdaq Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/ wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies. ABOUT THE S&P 500 INDEX The S&P 500 Composite Stock Price Index (S&P 500) is widely regarded as the best single gauge of U.S. large cap equities. Comprised of 500 major companies, the S&P 500 Index includes representation from the leading industries of the U.S. economy. ABOUT THE SMART PASSAGE SG INDEX The Smart Passage SG Index from Societe Generale uses a simple and academic stock selection process with the goal of outperforming its benchmark, the S&P 500, by focusing on low volatility stocks. Historical experience has shown that these stocks
STANDARD INDEXED ACCOUNTS 8 1-year Nasdaq-100 (participation rate) 2-year Nasdaq-100 (participation rate) 1-year monthly S&P 500 (cap rate) 1-year S&P 500 (cap rate) 1-year S&P 500 (participation rate) 2-year S&P 500 (participation rate) 1-year Sunrise Smart Passage SG (participation rate) 2-year Sunrise Smart Passage SG (participation rate) 1-year CS Tactical Multi Asset Index (spread rate) 2-year CS Tactical Multi Asset Index (spread rate)
tend to outperform highly volatile stocks. 8 Index account strategies linked to the Smart Passage SG Index use the Sunrise Crediting method which sets the highest month’s return in each year of the index term to
zero prior to calculating index credits. ABOUT THE CS TACTICAL MULTI ASSET INDEX
ENHANCED PARTICIPATION RATE INDEXED ACCOUNTS WITH STRATEGY FEE 8 1-year Nasdaq-100 (enhanced participation rate) 2-year Nasdaq-100 (enhanced participation rate) 1-year S&P 500 (enhanced participation rate) 2-year S&P 500 (enhanced participation rate) 1-year Sunrise Smart Passage SG (enhanced participation rate) 2-year Sunrise Smart Passage SG (enhanced participation rate)
The Credit Suisse Tactical Multi Asset Index consists of a diverse selection of Exchange Traded Funds (ETFs) which track four distinct asset classes: Equity, Fixed Income, Commodities and Real Estate. Allocations to the ETFs are periodically adjusted using a predetermined set of rules that aims to maximize return for a given level of risk. In addition, a volatility targeting technique is assigned to stabilize the level of risk (fluctuations) in the index.
FIXED ACCOUNT The Fixed Account earns interest daily at a specified rate of return that is guaranteed for one contract year. It offers a fixed, predictable return on your account value with protection from market risk. 7 More information on how each strategy works is found in the Indexed Accounts Supplement, available through your insurance producer. 7. E ach account requires a minimum allocation of at least 10% of your premium or $2,000. The contract does not directly participate in any stock, bond or equity investment. Dividend payments and distributions are not received from any index or component of any index. The Guaranteed Minimum Fixed Account Interest Rate is specified in the contract and can range from 0% to 3%, depending on your state. For current account rates, contact your financial professional. 8. T he CS Tactical Multi Asset Index was launched in 2014 and the Smart Passage SG Index was launched in 2019. Any index performance shown in illustrations and hypothetical examples for periods prior to the index launch dates is based on historical backcasting using hypothetical data. Past performance is not indicative of future results. Multi-year accounts/strategies are not available in New Hampshire. Other state limitations may apply. Nassau may add, substitute or discontinue indexed accounts in the future.
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