Enhancing your retirement
Choose your index options You choose how the initial premium is allocated between your fixed account and/or index accounts. At the end of each crediting term you have the option to transfer funds among the different options. Please refer to the “How it works-crediting methods” brochure for more information on the differences. Fixed account PrimePath Pro 10 provides a fixed account that offers a fixed interest rate that is guaranteed for the first contract year. The rate for future contract years will be declared each year at the company’s discretion thereafter, and will never be less than the minimum guaranteed rate listed in your contract. Refer to your contract for minimum guaranteed rates. Index account options While your premium is protected from downside market risk, PrimePath Pro 10 also provides the opportunity to take advantage of market growth with its indexed interest crediting options. These index crediting methods allow you to select from different indexes; each index account option may perform differently in various market scenarios. • Annual Point-to-Point with Participation Rate • Monthly Point-to-Point with Cap • Annual Point-to-Point with Cap • Annual Point-to-Point with Margin • Annual Point-to-Point with Enhanced Participation Rate (includes charge 1 ) • Two-year Point-to-Point with Participation Rate • Two-year Point-to-Point with Margin and Participation Rate • Two-year Point-to-Point with Enhanced Participation Rate (includes charge 1 ) 1. Known as a strategy fee annual percentage in your contract. See full description in the footnote on the previous page. Interest is credited on each contract anniversary for each index account option except the Two-year Point-to-Point options. For the Two-year Point-to-Point options, interest is credited at the end of each two-year term. See the following pages for details. Your financial professional will explain how the different interest crediting strategies work and which account or combination of accounts could be the best fit for your objectives.
One question people often ask themselves is: Have I saved enough for retirement? While “enough” varies by individual wants and needs, many consumers would like to have growth as they approach retirement. Fixed index annuities combine growth potential without experiencing loss of premium from market downturns or fluctuations. Interest credits in the PrimePath Pro 10 annuity will not mirror performance of the index itself, but rather the index closing prices are used as a basis for determining interest credits. PrimePath Pro 10 has unique and competitive options with the potential to grow your retirement dollars so they can work harder for you. Did you know? PrimePath Pro 10 is a flexible premium annuity. That means you may be able to continue to put funds into the contract as long as you own it. Transfer options You may elect to transfer funds between the fixed account and index account options after the first contract year for the annual index account strategies (or every two years if you choose the Two-year Point-to-Point strategy). You may also elect to transfer between strategies annually (or every two years for amounts allocated to the two-year strategy). Based on current tax laws, these transfers between options will not be taxable or subject to surrender penalties.
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