Unlock greater upside potential with enhanced crediting methods In exchange for a strategy fee, you’ll unlock additional opportunity. The fee 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. Strategy fees are considered a partial surrender and for purposes of the return of premium feature will reduce the net premium accordingly. The fee will be deducted at the time of a partial withdrawal that exceeds the penalty-free withdrawal amount and at the time of a full surrender.
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 your premium, your NAC VersaChoice 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. Each crediting method and the index account options on the next page may perform differently in various market scenarios.
26351Z
9
REV 8-23
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