Index Summit 6 Pro

The Index Summit 6 Pro is designed to help your clients grow their retirement assets by participating in market growth, limiting downside risk with 50% protection against loss, and allowing assets to grow tax-deferred. 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 Summit 6 Pro prospectus prior to sale. For a complete product description, see the Product Overview located under 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 0.75%

Early Withdrawal Charges

6-year declining 9%, 8%, 7%, 6%, 5%, 4%

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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

Caps and Upside Participation Rates

A cap is the largest positive index change at the end of a term that is taken into account to determine a gainAn upside participation rate is the percentage of any positive index change at the end of a term that is taken into account to determine a gain

Downside Protection

Any loss for a term of an indexed strategy is limited by a downside participation rate of 50%. As a result, only 50% of any negative index change at the end of a term is taken into account to determine a loss.

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

Indexed Strategies

S&P 500^®

1-Year 50% Downside Participation Rate with Cap
1-Year 50% Downside Participation Rate with Upside Participation Rate
2-Year 50% Downside Participation Rate with Cap
2-Year 50% Downside Participation Rate with Upside Participation Rate
6-Year 10% Buffer with Upside Participation Rate

iShares MSCI EAFE ETF

1-Year 50% Downside Participation Rate with Upside Participation Rate
2-Year 50% Downside Participation Rate with Upside Participation Rate

iShares U.S. Real Estate ETF

1-Year 50% Downside Participation Rate with Upside Participation Rate
2-Year 50% Downside Participation Rate with Upside Participation Rate

6-Year 10% Buffer strategy availability may vary by state and by Broker/Dealer. See Index Summit 6 Pro rate chart for state approval information.

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed & Immediate

Marketing Materials

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting