Index Protector 5

Diversify your clients’ portfolios with Index Protector 5. Intended for distribution by advisors doing fee-based planning, this zero commission fixed-indexed annuity offers:
• Protection from market loss
• Growth opportunity with multiple indexed strategies
• No early withdrawal charges
• Market Value Adjustments (MVA) that end after 5 years

For a complete product description, see the Product Overview located in the Marketing Materials section below.

Contract Issue State: *

Contract Effective Date: *

Account Value (optional):

MVA Rate:

Details

Issue Ages

Inherited non-qualified 0-75Non-qualified 0-89Inherited IRA 0-75Qualified 0-89

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:

$50,000

Subsequent:

$25,000

Maximum:

$2 million for ages 0-75
$1.5 million for ages 76-80
$1 million for ages 81+ without prior Home Office approval

Market Value Adjustment

A market value adjustment will apply to withdrawals or surrenders made during the first five contract years.

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without a market value adjustment.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without a market value adjustment.

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

1-Year Declared Rate5-Year Declared RateS&P 500 1-Year Point-to-Point with CapiShares MSCI EAFE 1-Year Point-to-Point with CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with CapFirst Trust Barclays Edge Index 1-Year Point-to-Point with 5-Year Cap LockAvailable strategies may vary by state and distribution. Please view state approvals to learn more about availability.

Bailout Feature

For each indexed strategy, negative market value adjustments will be waived if the cap for that indexed strategy ever falls below its bailout rate.

Guaranteed Minimum Surrender Value (GMSV)

87.5% of purchase payments, plus interest credited daily at a guaranteed minimum rate less prior withdrawals, net of applicable market value adjustments.

Payout Options

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

Marketing Materials

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