One-Year Crediting Example on $100,000 Premium Deposit
Participation rate and fixed interest crediting:
Scenario 1 -5.0% Index Loss
Scenario 2 7.0% Index Gain
Scenario 3 12.0% Index Gain
Account Allocations
Amount
85% Index participation rate
$95,000 0.00% $0
5.95% $5,653 10.20% $9,690
3.00% Fixed interest crediting rate $5,000
3.00% $150 3.00% $150 3.00% $150
Total credited to account
0.15% $150 5.80% $5,803 9.84% $9,840
Total account value
$100,000
$100,150
$105,803
$109,840
Enhanced participation rate and fixed interest crediting:
Scenario 1 -5.0% Index Loss
Scenario 2 7.0% Index Gain
Scenario 3 12.0% Index Gain
Account Allocations
Amount
160% Enhanced participation rate $95,000 0.00% $0 11.20% $10,640 19.20% $187,240
3.00% Fixed interest crediting rate $5,000
3.00% $150 3.00% $150 3.00% $150
Total credited to account
0.15% $$150 10.79% $10,790 18.39% $18,390
1.50% Enhanced participation rate fee
($1,425)
($1,585)
($1,699)
Total account value
$100,000
$98,725
$109,205
$116,691
The values shown are for example only and assume no withdrawals during the surrender-charge periods; actual results and crediting rates will vary.
At the end of the 5 or 7-year surrender-charge period, the Guaranteed Minimum Accumulation Benefit ensures that your annuity fund value reaches 100% of your original premium minus any withdrawals you’ve taken and associated charges. If it is less than that, we’ll make a one-time adjustment to raise your fund value to that amount.
Enhanced Choice Index
5
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