Index Summit 6 (ROP Death Benefit)

• Qualified 0-80
• Non-qualified 0-80
• Inherited IRA 0-75
• Inherited non-qualified 0-75

• Non-qualified
• Qualified
• Inherited non-qualified
• 403(b) (Traditional and Roth)
• IRA (Traditional, Roth, SEP, SIMPLE and Inherited)
• 457(b)

• Issued with single purchase payment
• Subsequent purchase payments accepted in first two contract months

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

• During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.
• After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge

• Terminal Illness Waiver
• Extended Care Waiver

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

• Fixed period payout
• Life payout
• Life payout with payments for at least a fixed period
• Joint and one-half survivor payout

There are no upfront or recurring fees

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.

• 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

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