Index Achiever Advisory

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 monthsSubsequent allowed 60 days from issue only; Minimum: $2,000

Purchase Payment Minimums and Maximums

Minimum:

$25,000

Subsequent:

$10,000

Maximum:

$2 million for ages 0-75
$1.5 million for ages 76-80

Fees

There are no upfront or recurring fees. Clients may choose to have their advisory fee deducted from their annuity.

Market Value Adjustment

During the first six contract years, an MVA will apply if the contract is surrendered or a withdrawal is taken from indexed strategies. The MVA does not apply to withdrawals taken from the declared rate strategy. A maximum of 12% can be allocated to the declared rate strategy for initial allocations and reallocations at the end of a term.

Waivers

Terminal Illness WaiverExtended Care Waiver

Crediting Strategies

Declared Rate

S&P 500®

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*
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% Buffer with Cap

iShares U.S. Real Estate ETF

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

SPDR Gold Shares ETF

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

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.

Strategy availability and strategy feature availability may vary by state and by distribution. For

current state approvals of newly added strategies and strategy features, please visit

MMAscendConnect.com/RILAapprovals.

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 strategy until the end of the term.

If a client makes a performance lock election for the S&P 500 6-year 10% Buffer with Upside

Participation Rate strategy before the sixth year of the term, that term will end on the next

anniversary of the term start date. 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

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