• 1-Year Point-to-Point Participation Index Account — Index credits are based on the percentage change in the underlying index from the previous contract anniversary, multiplied by the participation rate. • 1-Year Monthly Average Participation Index Account — Index credits are based on the percentage change in the index monthly average from the previous contract anniversary, multiplied by the participation rate. S&P 500 Index Accounts 1-Year Point-to-Point Cap Index Account 1-Year Point-to-Point Participation Index Account 1-Year Monthly Average Participation Index Account Barclays Focus50 Index Account 1-Year Point-to-Point Participation Index Account S&P MARC 5% Excess Return Index 1-Year Point-to-Point Participation Index Account
combination of U.S. stocks and U.S. Treasury Indices. Low Volatility U.S. stocks are used because, historically, they tend to outperform other, higher volatility stocks, on a risk-adjusted basis. The broad universe consists of all stocks listed on the New York Stock Exchange and NASDAQ issued by companies headquartered in the United States. The addition of Treasuries adds a diversification benefit and a potential reduction in risk. To further control risk, the index aims to limit its annual volatility to a 5% target using a process called volatility control. For more information on this index, visit Indices. Barclays/Focus50, ticker: BXIIF50E. S&P MARC 5% Excess Return Index The S&P MARC 5% Excess Return Index seeks to provide multi-asset diversification within a simple risk weighting framework, tracking three underlying component indices that represent three asset classes: equities, commodities, and fixed income. S&P MARC 5% Excess Return Index is dynamically rebalanced between the three indices and the cash component to target a 5% level of volatility. In low- volatility environments, the Index risk- control mechanism increases market exposure to riskier assets by increasing the allocation to the Index (up to a leveraged position of 150%). For more information on this index, visit SPIndices. com, ticker: SPMARC5. Account Transfers On each contract anniversary, you may transfer money among the various accounts offered in your contract. Allocation of Additional Premiums You may request a change to your current premium allocations at any time; any reallocation request will take effect on the
Index Options S&P 500 Index The S&P 500 is widely regarded as
the best single gauge of large-cap U.S. equities. There is over $9.9 trillion indexed or benchmarked to the index, with indexed assets comprising approximately $3.4 trillion of this total. The index includes 500 leading companies and covers approximately 80% of available market capitalization. For more information on this index, visit SPIndices.com, ticker: SPX. Barclays Focus50 Index The Barclays Focus50 Index seeks growth opportunities while limiting volatility through exposure to a dynamic
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ET-BRG-1100A (08-22)
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