Index Summit 6 Pro

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 months

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 0.95%

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During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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

Indexed Strategies

S&P 500^®

1-Year 50% Downside Participation Rate with Cap*
1-Year 50% Downside Participation Rate with Upside Participation Rate*
1-Year 10% Buffer with Cap*
1-Year 10% Buffer with Performance Trigger
1-Year 10% Buffer with Dual Performance Trigger
1-Year 20% Buffer with Cap*
1-Year 20% Buffer with Performance Trigger
1-Year -10% Floor with Cap*
1-Year 0% Floor with Cap
2-Year 50% Downside Participation Rate with Cap*
2-Year 50% Downside Participation Rate with Upside Participation Rate*
3-Year 10% Buffer with Upside Participation Rate*
3-Year 20% Buffer with Upside Participation Rate*
6-Year 10% Buffer with Upside Participation Rate*
6-Year 20% Buffer with Upside Participation Rate*

iShares MSCI EAFE ETF

1-Year 50% Downside Participation Rate with Upside Participation Rate
1-Year -10% Floor with Cap

iShares U.S. Real Estate ETF

1-Year 50% Downside Participation Rate with Upside Participation Rate
1-Year -10% Floor with Cap

SPDR Gold Shares ETF

1-Year -10% Floor with Cap

First Trust Barclays Edge Index

1-Year 50% Downside Participation Rate with Upside Participation Rate*
1-Year 10% Buffer with Upside Participation Rate*

Russell 2000

1-Year 10% Buffer with Cap*
1-Year 20% Buffer with Cap*
3-Year 10% Buffer with Upside Participation Rate*
3-Year 20% Buffer with Upside Participation Rate*
6-Year 10% Buffer with Upside Participation Rate*
6-Year 20% Buffer with Upside Participation Rate*

*Performance lock available. See performance lock section below for more information.

Product availability, strategy availability and strategy feature availability may vary by state and by distribution. For information specific to your state, please refer to the Product Rate Sheet.

Performance Lock

Performance lock is a feature that allows clients to lock in indexed strategy gains and limit further losses for a term. Performance lock is an election to lock in the daily value percentage for the remainder of a term. A performance lock election for a term is effective on the second market close following our receipt of a request in good order. Once we receive a request in good order, a performance lock election for a term cannot be revoked or changed and clients will not be able to reallocate a performance locked one-year indexed strategy until the end of the term. If a client makes a performance lock election for a 2-year, 3-year, or 6-year strategy, the term will always end on the next anniversary of the term start date even if it otherwise would have continued for one or more additional years. Performance lock is only available on select strategies.

Caps, Upside Participation Rates and Trigger Rates

A cap is the largest positive index change at the end of a term that is taken into account to determine a gain.

An 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.

A trigger rate is the rate of return used to determine a gain at the end of a term. There are two types of trigger rate strategies: performance trigger and dual performance trigger.

For strategies with a performance trigger, the trigger rate is credited when index performance is positive or level. For strategies with a dual performance trigger, the trigger rate is credited when index performance is positive, level or when the index loss does not exceed the buffer.

Downside Protection

Any loss for a term of an indexed strategy is subject to one of the following limiting factors: a floor, buffer or downside participation rate.

A floor is the largest negative index change at the end of a term that is used to determine a loss. The -10% floor indexed strategies provide protection against index losses in excess of -10% at the end of each term.

A buffer is the portion of a negative index change at the end of a term that is disregarded to determine a loss. The 10% buffer indexed strategies provide protection against the first 10% of index losses at the end of each term.

A downside participation rate is the percentage of any negative index change at the end of a term that is taken into account to determine a loss. The 50% downside participation rate indexed strategies provide protection against 50% of index losses at the end of each term.

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

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting