The Smart Start Accumulator Series features two single premium fixed indexed annuities; Smart Start Accumulator and Smart Start Accumulator Plus.

These powerful annuities are designed to give your funds a smart start with innovative features that can boost your accumulation potential from day one.

With its unique blend of growth potential and protection, the Smart Start Accumulator Series offers a strategic approach to accumulating wealth while safeguarding your principal.

Unlike other indexed annuities or financial products, the Smart Start Accumulator Series offers a strategic advantage to contract holders by providing a unique combination of features designed to enhance financial growth and security.

Smarter Market Entry

Enjoy the advantage of a smart start, positioning you at the lowest market point for higher accumulation potential.

Effortless Portfolio Allocation

Discover the ease of three pre-selected index combinations designed to align with your financial goals and comfort level.

Leading Indices

Harness accumulation potential with a suite of indices composed of high-performing, well-established companies that offer robust growth prospects.

Safety of Principal

Whether one of the predefined portfolio allocations (Conservative, Moderate, or Aggressive) is chosen or a mix of strategies and allocations is built, the Smart Start Accumulator Series allows individuals to receive interest earnings based upon the growth of a variety of carefully selected indices without being directly invested in the market. If the selected index or indices goes down in value during the measuring period, the policyholder receives zero return, but they do not lose principal.

Control Your Taxes

The Smart Start Accumulator Series allows you to decide when your income should be taxable to you. With a tax deferred annuity, the annuity value has the potential to grow, however you are not liable for those taxes until the money is withdrawn. Current US tax law provides that, earnings from an annuity are taxable upon a withdrawal as ordinary income. An attorney or tax advisor should be contacted for personal tax instruction.

Surrender Charge Free Withdrawal Privilege

Smart Start Accumulator

Annually and based on beginning of year values, 5% of the annuity value is eligible to be withdrawn free of surrender charges, market value adjustment.5

Smart Start Accumulator Plus

If opted in for the Premium Enhancement without the fee, the annual free withdrawal percentage will be set at 5%.

If selecting the Premium Enhancement with fee, the annual free withdrawal percentage will be set at 10%. Also, for premium enhancement with fee, if no withdrawals are taken in the previous contract year, the unused 10% free withdrawal percentage can be carried over in the subsequent year for a maximum of 20% free withdrawal.