Index Frontier 5

The Index Frontier 5 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.

Please see below for current and renewal rates.

Clients must receive the Index Frontier 5 prospectus prior to sale. For a complete product description, see the Product Overview 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-qualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)401(a) (including 401(k) Traditional and Roth)Governmental 457(b) (Traditional and Roth)

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

There are no upfront or recurring fees

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During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal chargeAfter the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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

Crediting Strategies

Declared Rate
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

SPDR Gold Shares 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

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed

Marketing Materials

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting

Index Frontier 5

Index Frontier 5

Index Frontier 5

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Fees

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Crediting Strategies

Vested Gains or Losses

Caps, Floors and Buffers

Bailout Feature

Payout Options

Marketing Materials

Agent Approved - Registered Index-Linked Annuity Materials

Client Approved - Crediting Methods

Client Approved - Registered Index-Linked Annuity Materials

Index Frontier 5

Index Frontier 5

Index Frontier 5

Upside potential and risk diversification

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Fees

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Crediting Strategies

Vested Gains or Losses

Caps, Floors and Buffers

Bailout Feature

Payout Options

Marketing Materials

New Business Kit

New Business Kit for Index Frontier 5

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