As you plan for your financial future, would you like to maximize your upside potential while maintaining downside protection? MarketMax Index may be the solution! MarketMax Index is a long-term accumulation vehicle built to help you reach the retirement of your dreams. It provides the ability to allocate your premium to rate buy-up index accounts, which offer higher cap and participation rates in exchange for an annual fee. WHAT IS A FIXED INDEX ANNUITY? A fixed index annuity (FIA) is a product designed to provide you income for retirement through interest earned on market indices. Your money is never exposed to downside market risk. In fact, you share only in the gains, not the losses. Growing your Accumulation Value It starts by choosing your index accounts and crediting strategies, providing you the ability to diversify your retirement strategy. Then, on appropriate contract anniversaries, earnings — referred to as “index credits” — are determined on these accounts and applied to your contract’s current Accumulation Value. If the index value increases, your Accumulation Value grows. If the index value declines, your Accumulation Value will simply remain unchanged from the previous period’s Accumulation Value. The earnings are tax-deferred until they are withdrawn. Index credits will never be less than zero.
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