Diversify the premium among the following index account options
Crediting methods*
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)
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index
Annual Point-to-Point with Enhanced Participation (subject to 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 participation rate)
• Fidelity Multifactor Yield Index 5% ER • Morgan Stanley Dynamic Global Index
Two-year Point-to-Point with Enhanced Participation (subject to charge)
In your contract the applicable period of time for your crediting method is referred to as a “term”. * Index(es) and strategies may not be available in all states.
Did you know? How transfers work
You may elect to transfer your values between the fixed account and index account options after the first contract year for the annual index strategies (or every two years if you choose the Two-year Point-to-Point strategy). You may also elect to transfer between options 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.
26351Z
10
REV 8-23
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