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 monthsIssued with single purchase payment

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 0.75%

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During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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

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

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

Strategy and performance lock availability may vary by state and by distribution.

For current state approvals of newly added strategies and performance lock, please visit MMAscendConnect.com/2023RILAapprovals.

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 the S&P 500 6-year 10% Buffer with Upside Participation rate indexed 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 and Upside Participation Rates

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

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

Registered Index-Linked

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