Earliest Annual Benefit Commencement Date |
Issue Date |
Lifetime Withdrawal Age |
59½ |
Rider Fee Rate (percentage) |
1.50% |
FIXED ACCOUNT (subject to state availability) Fixed Interest Term: 1 Year | |
SHIELD OPTIONS | |
TERM |
INDEX |
SHIELD 25 (up to 25% downside protection) | |
1 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
SHIELD 15 (up to 15% downside protection) | |
1 Year |
S&P
500® Index
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI EAFE Index
Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
2 Year |
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge Nasdaq-100
Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P 500® Index Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
FIXED ACCOUNT (subject to state availability) Fixed Interest Term: 1 Year | |
SHIELD OPTIONS | |
SHIELD 10 (up to 10% downside protection) | |
1 Year |
S&P
500® Index
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI EAFE Index
Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
2 Year |
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge Nasdaq-100
Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P 500® Index Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
Age at Annual
Benefit
Commencement
Date |
Contract Year |
Withdrawal Rates
Account Value is greater than $0 |
Lifetime Guarantee Rates
Account Value is $0 | ||
Single Life |
Joint Life |
Single Life |
Joint Life | ||
59½ - 64 |
All Years |
5.00% |
4.50% |
5.00% |
4.50% |
65 - 74 |
1 - 5 |
5.75% |
5.25% |
5.75% |
5.25% |
6 |
6.75% |
6.25% |
6.75% |
6.25% | |
7 |
6.90% |
6.40% |
6.90% |
6.40% | |
8 |
7.05% |
6.55% |
7.05% |
6.55% | |
9 |
7.20% |
6.70% |
7.20% |
6.70% | |
10 |
7.35% |
6.85% |
7.35% |
6.85% | |
11+ |
7.50% |
7.00% |
7.50% |
7.00% | |
75+ |
1 - 5 |
6.00% |
5.50% |
6.00% |
5.50% |
6 |
7.00% |
6.50% |
7.00% |
6.50% | |
7 |
7.15% |
6.65% |
7.15% |
6.65% | |
8 |
7.30% |
6.80% |
7.30% |
6.80% | |
9 |
7.45% |
6.95% |
7.45% |
6.95% | |
10 |
7.60% |
7.10% |
7.60% |
7.10% | |
11+ |
7.75% |
7.25% |
7.75% |
7.25% |
Rollup Rate (for Market Growth with Rollup only) |
5.00% |
Age at Annual
Benefit
Commencement
Date |
Contract Year |
Withdrawal Rates
Account Value is greater than $0 |
Lifetime Guarantee Rates
Account Value is $0 | ||
Single Life |
Joint Life |
Single Life |
Joint Life | ||
59½ - 64 |
All Years |
5.00% |
4.50% |
5.00% |
4.50% |
65 - 74 |
1 - 5 |
5.75% |
5.25% |
5.75% |
5.25% |
6 |
6.00% |
5.50% |
6.00% |
5.50% | |
7 |
6.05% |
5.55% |
6.05% |
5.55% | |
8 |
6.10% |
5.60% |
6.10% |
5.60% | |
9 |
6.15% |
5.65% |
6.15% |
5.65% | |
10 |
6.20% |
5.70% |
6.20% |
5.70% | |
11+ |
6.25% |
5.75% |
6.25% |
5.75% | |
75+ |
1 - 5 |
6.00% |
5.50% |
6.00% |
5.50% |
6 |
6.25% |
5.75% |
6.25% |
5.75% | |
7 |
6.30% |
5.80% |
6.30% |
5.80% | |
8 |
6.35% |
5.85% |
6.35% |
5.85% | |
9 |
6.40% |
5.90% |
6.40% |
5.90% | |
10 |
6.45% |
5.95% |
6.45% |
5.95% | |
11+ |
6.50% |
6.00% |
6.50% |
6.00% |
Earliest Annual Benefit Commencement Date |
Issue Date |
Lifetime Withdrawal Age |
59½ |
Rider Fee Rate (percentage) |
1.50% |
FIXED ACCOUNT (subject to state availability) Fixed Interest Term: 1 Year | |
SHIELD OPTIONS | |
TERM |
INDEX |
SHIELD 25 (up to 25% downside protection) | |
1 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
SHIELD 15 (up to 15% downside protection) | |
1 Year |
S&P
500® Index
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI EAFE Index
Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
2 Year |
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge Nasdaq-100
Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P 500® Index Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
FIXED ACCOUNT (subject to state availability) Fixed Interest Term: 1 Year | |
SHIELD OPTIONS | |
SHIELD 10 (up to 10% downside protection) | |
1 Year |
S&P
500® Index
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI EAFE Index
Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
2 Year |
S&P
500® Index Step Rate
S&P
500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge Nasdaq-100
Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P
500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
6 Year |
S&P 500® Index Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
Age at Annual
Benefit
Commencement
Date |
Contract Year |
Withdrawal Rates
Account Value is greater than $0 |
Lifetime Guarantee Rates
Account Value is $0 | ||
Single Life |
Joint Life |
Single Life |
Joint Life | ||
59½ - 64 |
All Years |
5.00% |
4.50% |
5.00% |
4.50% |
65 - 74 |
1 - 5 |
5.75% |
5.25% |
5.75% |
5.25% |
6 |
6.75% |
6.25% |
6.75% |
6.25% | |
7 |
6.90% |
6.40% |
6.90% |
6.40% | |
8 |
7.05% |
6.55% |
7.05% |
6.55% | |
9 |
7.20% |
6.70% |
7.20% |
6.70% | |
10 |
7.35% |
6.85% |
7.35% |
6.85% | |
11+ |
7.50% |
7.00% |
7.50% |
7.00% | |
75+ |
1 - 5 |
6.00% |
5.50% |
6.00% |
5.50% |
6 |
7.00% |
6.50% |
7.00% |
6.50% | |
7 |
7.15% |
6.65% |
7.15% |
6.65% | |
8 |
7.30% |
6.80% |
7.30% |
6.80% | |
9 |
7.45% |
6.95% |
7.45% |
6.95% | |
10 |
7.60% |
7.10% |
7.60% |
7.10% | |
11+ |
7.75% |
7.25% |
7.75% |
7.25% |
Rollup Rate (for Market Growth with Rollup only) |
5.00% |
Age at Annual
Benefit
Commencement
Date |
Contract Year |
Withdrawal Rates
Account Value is greater than $0 |
Lifetime Guarantee Rates
Account Value is $0 | ||
Single Life |
Joint Life |
Single Life |
Joint Life | ||
59½ - 64 |
All Years |
5.00% |
4.50% |
5.00% |
4.50% |
65 - 74 |
1 - 5 |
5.75% |
5.25% |
5.75% |
5.25% |
6 |
6.00% |
5.50% |
6.00% |
5.50% | |
7 |
6.05% |
5.55% |
6.05% |
5.55% | |
8 |
6.10% |
5.60% |
6.10% |
5.60% | |
9 |
6.15% |
5.65% |
6.15% |
5.65% | |
10 |
6.20% |
5.70% |
6.20% |
5.70% | |
11+ |
6.25% |
5.75% |
6.25% |
5.75% | |
75+ |
1 - 5 |
6.00% |
5.50% |
6.00% |
5.50% |
6 |
6.25% |
5.75% |
6.25% |
5.75% | |
7 |
6.30% |
5.80% |
6.30% |
5.80% | |
8 |
6.35% |
5.85% |
6.35% |
5.85% | |
9 |
6.40% |
5.90% |
6.40% |
5.90% | |
10 |
6.45% |
5.95% |
6.45% |
5.95% | |
11+ |
6.50% |
6.00% |
6.50% |
6.00% |