Upside Interest Potential

The annuity offers four indexed crediting options that provide the opportunity for potential interest growth.

Minimum Guarantee

Even in the event of a market decline, the policy’s principal amount is protected by a minimum guarantee.

Lifetime Income Rider

This optional feature ensures that the insured receives a guaranteed income for the remainder of their life, providing financial security during retirement.

Guaranteed Minimum Surrender Value

If the insured decides to voluntarily terminate the policy, the Guaranteed Minimum Surrender Value provides a predetermined value based on the premiums paid.

Liquidity Option

In the face of sudden and unforeseen events that one cannot prepare for, this option allows for quick access to funds.

An income stream guaranteed for life

As life expectancy increases, retirement periods are getting longer. With Strategy Index 10, you have the option to add a Lifetime Income Rider (LIR) at the start of your contract. The LIR provides a guaranteed income stream for life, even if the annuity value drops to zero.5

There are two LIR options available:

• Fixed Rate

A fixed rate is determined at the beginning of the contract and remains unchanged throughout. The LIR interest is calculated annually and credited daily for the first 10 years or until LIR income payments start, whichever comes first.

Additional premiums paid during the contract period will increase the total income base but won’t earn interest.

• Fixed Rate + Indexed Credit

Similar to the Fixed Rate LIR, this option allows the LIR interest to be credited for the first 10 years or until LIR income payments start, whichever comes first.

However, in addition to the fixed interest rate, this option will also earn additional interest based on the premium that is allocated to the index crediting strategies. Earning both a fixed interest rate and index credits.

Additional premiums paid during the contract period will increase the total income base but won’t earn interest.