ACCELERATED
BALANCED
BALANCED
Option 2: With this option, you can take a more balanced approach to pursuing your annuity values with a 150% PIV interest bonus factor and a 100% accumulation value interest factor. That means that one and one-half times any interest you earn is credited to your protected income value (in our hypothetical example: 4% × 1.5 = 6%) , and all of any interest you earn is credited to your accumulation value while you’re saving (4% interest × 1 = 4% interest credited to your accumulation value) . As the line graph shows, with this option your PIV’s growth is more modest in proportion to the accumulation value – but after seven years, the accumulation value is higher than in option 1. This could be a good choice if you may need to take your annuity’s value as a lump sum down the road, because the lump sum would be based on the accumulation value (less withdrawal charges and adjusted by any MVA if taken in the first 10 contract years).
Balanced PIV interest bonus
$200,000 With the Balanced option, more emphasis is placed on the accumulation value, which is important if you plan to take the accumulation value as a lump sum.
$200,000
$150,000
$150,000
$100,000
$100,000
YEAR
YEAR
YEAR
Protected income value Accumulation value
cted income value mulation value
This example is hypothetical in nature and does not predict or project actual results of a specific FIA.
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