Index Frontier 5 Pro

The Index Frontier 5 Pro is designed to help your clients grow their retirement assets by taking advantage of some market growth, while allowing them to pick a level of protection from market loss. With this solution, clients can enjoy higher earning potential in exchange for a contract fee.

Please see below for current and renewal rates.

Clients must receive the Index Frontier 5 Pro prospectus prior to sale. For a complete product description, see the Product Overview located in the Marketing Materials section below.

Details

Issue Ages

Inherited non-qualified 0-75Non-qualified 0-80Qualified 0-80Inherited IRA 0-75

Tax Qualifications

Non-qualifiedQualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)457(b)401(a)

Purchase Payments

Subsequent purchase payments accepted in first two contract monthsIssued with single purchase payment

Purchase Payment Minimums and Maximums

Minimum:

$25,000

Subsequent:

$10,000

Maximum:

$1 million for ages 0-80

Fees

A fee is deducted from each strategy on a daily basis and compounds to an effective annual rate of 0.50%

Early Withdrawal Charges

5-year declining 8%, 7%, 6%, 5%, 4%

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal chargeAfter the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge

Waivers

Terminal Illness WaiverExtended Care Waiver

Indexed Strategies

S&P 500^®

1-Year 10% Buffer with Cap
1-Year -10% Floor with Cap
1-Year 0% Floor with Cap

iShares MSCI EAFE ETF

1-Year -10% Floor with Cap
1-Year 0% Floor with Cap

iShares U.S. Real Estate ETF

1-Year -10% Floor with Cap
1-Year 0% Floor with Cap

Vested Gains or Losses

Each day of a term, the value of an indexed strategy is adjusted for the vested gain or loss since the start of that term.The vested gain is any positive index change for the term (but not exceeding the cap set for that term), multiplied by the applicable vesting factor for that day, and then multiplied by the remaining investment base for the current term. Please see the Product Overview for vesting factors.The vested loss is equal to any negative index change for the term (after taking into account the buffer or floor), multiplied by the remaining investment base for the current term.

Caps, Floors and Buffers

The cap is the largest positive index change used to determine the vested gain.The floor is the largest negative index change used to determine a vested loss. The 0% floor indexed strategy provides complete protection against index losses. The -10% floor indexed strategy protects against index losses in excess of -10%. The buffer is the portion of a negative index change that is disregarded when determining a vested loss. The 10% buffer indexed strategy protects against the first 10% of index losses.

Bailout Feature

On indexed strategies, early withdrawal charges are waived if the cap for an indexed strategy falls below its bailout trigger

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

Death Benefit Value

Equals the greater of the account value or purchase payments, reduced for withdrawals

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed & Immediate

Marketing Materials

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Product Rates

Calculators

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Training

Learning

Marketing Materials

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