North American Prime Path Pro 10 Index Annuity

Pick from a wide variety of index * options S&P Maestro 5 Index Excess Return (SPMAES5E)

S&P 500® Index (SPX) The S&P 500 Index is widely regarded as the best single gauge of the large cap U.S. equities market since the index was first published in 1957. The price-return index includes 500 leading companies in leading industries of the U.S. economy and does not include dividends in the index valuation. S&P Multi-Asset Risk Control 5% Excess Return Index (SPMARC5P) S&P MARC 5% ER The S&P MARC 5% ER Index (the “Index” ) is a multi-asset excess return index that strives to create more stable index performance through diversification, an excess return methodology, and volatility management (i.e. risk control). The Index applies rules to adjust allocations among multiple asset classes creating a diversified basket of these assets. The Index then adds an element of risk control by applying rules to allocate between this basket and cash. The Index is managed to a 5% volatility level. S&P 500® Low Volatility Daily Risk Control 5% Index (SPLV5UT) The S&P 500® Low Volatility Daily Risk Control 5% Index (the “Index” ) strives to create stable index performance through managing volatility (i.e. risk control) on the S&P 500 Low Volatility Index. The S&P 500 Low Volatility Index measures performance of the 100 least volatile stocks in the S&P 500. The Index adds an element of risk control by applying rules to allocate between stocks, as represented by the S&P 500 Low Volatility Index, and cash. The Index is managed to a 5% volatility level.

The S&P Maestro 5 Index ER (the “Index” ) is a multi-asset index that strives to create more stable index performance through diversification, an excess return methodology, and by managing volatility. The Index covers major asset classes which represent equities, U.S. Treasuries, gold, and cash. Equity is represented by four factor indices (Quality, Momentum, Low Vol and High Dividend) while the U.S. Treasuries use both 5 and 10 year maturities. The Index applies established rules to allocate amongst those asset classes and also includes an equity hedge overlay, using mid-term and short-term VIX futures, which may increase performance in times of higher volatility. The Index is managed to a 5% volatility target. Morgan Stanley Dynamic Contribution Index (MSUSMSDC) The Morgan Stanley Dynamic Contribution Index (“the MSDC Index”) is a rules-based strategy that uses modern portfolio theory principles and the related concept of efficient frontier to attempt to maximize returns for a given level of risk. The MSDC Index provides access to global opportunities by investing in multiple asset classes representing global equities, government bonds and major commodities. The MSDC Index seeks to dynamically allocate to a portfolio nearest to the efficient frontier. On a daily basis, the MSDC Index computes recent returns, realized volatilities and correlations for each asset over two time horizons: short-term and long-term. All combinations are then screened to identify the highest historical return portfolio for 5% target risk level, subject to allocation constraints for each asset class and individual asset. Morgan Stanley Dynamic Global Index (MSUSMSDG) The Morgan Stanley Dynamic Global Index (MSDG) allocates across global assets with the goal of achieving diversified exposure across and within equities, fixed income and commodities. Moreover, the Index methodology includes provisions intended to address the unique risk and return characteristics of each asset class when re-allocating exposure during changing market conditions. The Index is rules-based and targets a 5% annual realized volatility with the intention of (i) reducing allocations to preserve gains during periods of high volatility and (ii) increasing leverage to capture returns when volatility decreases.

* Past index performance is not intended to predict future performance.

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