Crediting Options: This refers to the way we calculate interest credits.
Point-To-Point Cap Rate Strategy This strategy provides growth by participating in 100% of the index’s growth, if any, up to a specific point, called a ‘cap’. Your interest is credited and locked in for the term you choose. Point-To-Point Participation Rate Strategy This strategy provides growth by participating in a portion of the index’s growth, if any, every year. Your interest is credited and locked in for the term you choose.
Term: How long do you want the crediting option to last?
Synergy Choice Bonus offers interest crediting options of 1- or 2-year terms. You can divide your money among more than one crediting option.
Available Interest Crediting Options
Term
Participation Rate (No Cap) S&P 500® Index Point-to-Point Participation Rate Strategy Goldman Sachs Grand Prix Index Point-to-Point Participation Rate Strategy Citi Aria Index Point-to-Point Participation Rate Strategy
1- or 2-Years
1- or 2-Years
1- or 2-Years
Cap Rate S&P 500® Index Point-to-Point Cap Rate Strategy Fixed Account Rate Strategy
1- or 2-Years
1-Year
Keep in mind, the rates associated with these crediting options are declared at issue and are guaranteed for the length of the crediting period. At the end of the crediting period, they may change for the subsequent crediting period (for example caps may be raised or lowered).
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