Index Frontier 5 Plus

The Index Frontier 5 Plus is designed to help your clients grow their retirement assets by participating in market growth while reducing downside risk.

Please see below for current rates.

Clients must receive the Index Frontier 5 Plus prospectus prior to sale. For a complete product description, see the Product Overview in the Marketing Materials section below.

Current Rates

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During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal chargeAfter the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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% Floor with Cap*
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
5-Year 10% Buffer with Upside Participation Rate*
5-Year 20% Buffer with Cap*

iShares MSCI EAFE ETF

1-Year -10% Floor with Cap

iShares U.S. Real Estate ETF

1-Year -10% Floor with Cap

SPDR Gold Shares ETF

1-Year -10% Floor with Cap

First Trust Barclays Edge Index

1-Year 10% Buffer with Cap*

*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/IF5PlusApprovals.

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 indexed strategy until the end of the term. 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 or buffer

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.

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

Marketing Materials

View, download a zip file of selected materials and/or order materials to be shipped to you.

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