end of the index period. Even if the interest rate environment is lower in the future, your participation rate will be locked in for the duration of your surrender charge period. For a list and description of available index options, refer to the Growth Commander Interest Crediting Options brochure. DECLARED INTEREST OPTION This interest crediting option guarantees a competitive xed rate of interest for a 12-month period. Interest is credited daily rather than at the end of the term period, making the Declared Interest Option a wise selection if you anticipate needing to take withdrawals.
Accumulation Value that you choose to allocate to a fee index option. The fee is deducted at the end of each contract year during the index period. You may choose to split funds between the fee and no-fee options. Growth Commander also allows you the exibility to change your allocations at the end of the index period. Guaranteed Participation Rate Options Growth Commander oers a valuable feature on certain index options—a participation rate that is guaranteed for the entire length of the surrender charge period. When you choose a guaranteed participation rate option, you eliminate any uncertainty about what your renewal rate may be at the
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