The QuarterLock Advantage
SM
It’s no secret that stock markets have higher risk and higher potential rewards than some other asset classes. With QuarterLock SM , you can make the most of stock market fluctuations by automatically locking in the highest quarterly index value throughout a crediting term. At the end of the crediting period, your interest is credited and locked in at the highest quarterly value—even if the index you track finishes the period at a lower value.
Hypothetical 5-Year High Watermark Participation Rate Strategy
200
Lock-in the highest quarterly index value.
150
148
100
86
75
QuarterLock SM improved the return by 5x, avoiding the late decline in red*.
50
0
x
x x x
x x x x
*The above graph is a hypothetical example of a 5-year High Watermark Participation Rate Strategy. Interest is calculated by determining the percentage change between the starting index value and highest quarterly index value over the 5-year term. A participation rate is then applied to the percentage change to calculate your interest earned. The 5-Year High Watermark Participation Rate Strategy in the example above was assumed to be 150% and the traditional 5-Year Point-to-Point with Participation Rate was assumed to be 200%. Both strategies had a starting index value of 75; whereas the ending index value differed for the 5-Year High Watermark Participation Rate Strategy and the 5-Year Point-to-Point with Participation Rate, 148 and 86 respectively.
WealthLock SM Accumulator
22
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