How your annuity can grow
Unlock greater upside potential with enhanced crediting methods In exchange for a strategy charge, you’ll unlock additional opportunity. The charge is deducted from your accumulation value at the end of each term and is guaranteed to stay the same for the life of the contract. The charge will also be deducted at the time of a full surrender and at the time of a partial withdrawal that exceeds the penalty-free withdrawal amount.
Experience protection with accumulation value (“AV”) true-up 3 If interest credited over your contract term is less than the total strategy charges, there could be a loss of premium. To help protect the premium, your Charter Plus 10 fixed index annuity includes AV true-up, which provides a one- time benefit amount of the excess, if any, of total strategy charges since issue over total interest credited since issue at the end of the Surrender Charge Period. AV true-up is not available if you take excess penalty-free withdrawals. 3. Known as guaranteed accumulation value true-up endorsement in your contract.
Set your strategy In addition to the fixed account, here are available crediting methods.
Diversify the premium among the following index account options Crediting methods* (subject to factor below) Index availability* Monthly Point-to-Point (subject to an index cap rate) • S&P 500® Annual Point-to-Point (subject to an index cap rate) • S&P 500®
• S&P 500® • S&P MARC 5% ER
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index • Goldman Sachs Equity TimeX Index
Annual Point-to-Point (subject to participation rate)
• Barclays Transitions 6 VC • Barclays Transitions 12 VC
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index
Annual Point-to-Point with Enhanced Participation (subject to participation rate and charge)
• S&P 500® • S&P MARC 5% ER
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index • Goldman Sachs Equity TimeX Index
Two-year Point-to-Point (subject to a participation rate)
• Barclays Transitions 6 VC • Barclays Transitions 12 VC
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index
Two-year Point-to-Point with Enhanced Participation (subject to participation rate and charge)
* Index(es) and strategies may not be available in all states. In your contract the applicable period of time for your crediting method is referred to as a “term”.
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