Index Summit 6

The Index Summit 6 is designed to help your clients grow their retirement assets by participating in market growth, limiting downside risk with 50% protection against loss, and allowing assets to grow tax-deferred.

Please see below for current and renewal rates.

Clients must receive the Index Summit 6 prospectus prior to sale. For a complete product description, see the Product Overview located 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

Early Withdrawal Charges

6-year declining 8%, 7%, 6%, 5%, 4%, 3%, 0%

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During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge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

Crediting Strategies

Declared RateS&P 500 1-year Term with Cap Indexed StrategyS&P 500 2-year Term with Cap Indexed StrategyS&P 500 1-year Term with Participation Rate Indexed StrategyS&P 500 2-year Term with Participation Rate Indexed StrategyiShares MSCI EAFE ETF 1-year Term with Participation Rate Indexed StrategyiShares MSCI EAFE ETF 2-year Term with Participation Rate Indexed StrategyiShares U.S. Real Estate ETF 1-year Term with Participation Rate Indexed StrategyiShares U.S. Real Estate ETF 2-year Term with Participation Rate Indexed Strategy

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

Fees

There are no upfront or recurring fees

Downside Protection

Any loss for a term of an indexed strategy is limited by a downside participation rate of 50%. As a result, only 50% of any negative index change at the end of a term is taken into account to determine a loss.

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

Death Benefit Value

Equals the greater of the account value or purchase payments, reduced for withdrawals

All Annuities

Indexed

Riders

Registered Index-Linked

Fixed

Marketing Materials

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting

Index Summit 6

Index Summit 6

Index Summit 6

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Crediting Strategies

Payout Options

Fees

Downside Protection

Caps and Upside Participation Rates

Death Benefit Value

Marketing Materials

Agent Approved - Registered Index-Linked Annuity Materials

Client Approved - Registered Index-Linked Annuity Materials

Index Summit 6

Index Summit 6

Index Summit 6

A unique balance of growth and protection

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Crediting Strategies

Payout Options

Fees

Downside Protection

Caps and Upside Participation Rates

Death Benefit Value

Marketing Materials

New Business Kit

New Business Kit for Index Summit 6

Welcome