Diversify your premium among the following index account options Crediting method options* (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® Set your strategy In addition to the fixed account, here are your crediting methods and index options.
• S&P 500® Low Volatility Daily Risk Control 5% • S&P Multi-Asset Risk Control 5% Excess Return
Annual Point-to-Point (subject to an index margin)
Index (S&P MARC 5% ER) • S&P Maestro 5 Index ER
• S&P 500® • Morgan Stanley Dynamic Contribution • Morgan Stanley Dynamic Global Index • S&P Multi-Asset Risk Control 5% Excess Return Index (S&P MARC 5% ER) • S&P Maestro 5 Index ER • Morgan Stanley Dynamic Global Index • Morgan Stanley Dynamic Contribution • Morgan Stanley Dynamic Global Index
Annual Point-to-Point (subject to a participation rate)
Annual Point-to-Point with Enhanced Participation (subject to a participation rate and charge) ***
Two-year Point-to-Point (subject to a participation rate)
Two-year Point-to-Point (subject to an index margin and a participation rate)**
• Morgan Stanley Dynamic Contribution
• S&P Multi-Asset Risk Control 5% Excess Return Index (S&P MARC 5% ER) • S&P Maestro 5 Index ER • Morgan Stanley Dynamic Global Index
Two-year Point-to-Point with Enhanced Participation (subject to a participation rate and charge) ***
Fixed account Premium allocated to the fixed account will be credited interest at a declared fixed account interest rate and is credited daily. The initial premium interest rate is guaranteed for the first contract year. For each subsequent contract year, we will declare, at our discretion, a fixed account interest rate that will apply to the amount allocated to the fixed account as of the beginning of that contract year. A declared fixed account interest rate will never fall below the minimum guaranteed fixed account interest rate. * Index(es) and crediting methods may not be available in all states. ** The declared annual index margin is multiplied by two when it is applied at the end of each two-year term. The participation rate is applied after the index margin. *** See the footnote on page 3 for strategy charge description.
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