2- AND 5-YEAR HIGH WATERMARK PARTICIPATION RATE STRATEGY: Provides growth by participating in a portion of the index’s growth determined by the highest quarterly index value throughout the crediting term. Your interest is credited and locked in every two or five years, depending on the strategy you choose. A unique feature of the 2- and 5-year High Watermark Participation Rate Crediting Strategy is QuarterLock SM . The QuarterLock SM feature provides owners four opportunities a year to automatically lock in rising index values.
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