|
|
FEES, EXPENSES AND ADJUSTMENTS
|
Location in
Prospectus
|
||
|
Are There
Charges or
Adjustments for
Early
Withdrawals?
|
Yes. If you remove Contract Value prior to the End Date of an Indexed Term, we will
apply a Contract Adjustment based on Interim Value, which could be negative, and you
could lose up to 100% of your investment due to the Contract Adjustment. For example,
if you allocate $100,000 to an Indexed Account and later withdraw the entire amount
before the Indexed Term has ended, you could lose up to $100,000 of your investment.
This loss will be greater (but never more than 100%) if you also make a deduction
to
pay a third-party advisory fee, or have to pay taxes, and tax penalties. Contract
Adjustments are applied to withdrawals, surrenders, transfers, annuitizations and
Death
Benefit payments prior to the End Date of an Indexed Term.
|
●Charges and
Adjustments
|
||
|
Are There
Transaction
Charges?
|
No. The Contract does not impose any transaction charges.
|
●Charges and
Adjustments
●Federal Tax
Matters –
Payment of
Investment
Advisory Fees
|
||
|
Ongoing Fees and
Expenses (annual
charges)
|
Yes: Minimum and Maximum Annual Fee Table. The table below describes the fees
and expenses that you may pay each year, depending on the Investment Options and
optional benefits you choose. Please refer to your contract specifications page for
information about the specific fees you will pay each year based on the options you
have
elected. There is an implicit ongoing fee on Indexed Accounts to the extent that your
participation in Index gains is limited by the Company through the use of various
Crediting Methods. This means that your returns may be lower than the Index’s returns.
In return for accepting this limit on Index gains, you will receive some protection
from
Index losses. This implicit ongoing fee is not reflected in the tables below. These
charges do not reflect any advisory fees paid to a financial intermediary from Contract
Value or other assets of the Contractowner. If such charges were reflected, the ongoing
fees and expenses would be higher. Additionally, in certain cases your Contract Value
may be subject to a negative Interim Value adjustment.
|
●Fee Tables
●Examples
●Charges and
Adjustments
|
||
|
Annual Fee
|
Minimum
|
Maximum
|
||
|
Base Contract – Account Value Death
Benefit
|
0.10%1
|
0.10%1
|
||
|
Base Contract – Guarantee of Principal
Death Benefit
|
0.30%1
|
0.30%1
|
||
|
Fund Fees and Expenses
|
0.48%1
|
1.18%1
|
||
|
Optional benefits available for an
additional charge
|
0.40%2
|
0.40%2
|
||
|
|
1 As a percentage of average Account Value in the underlying funds. These fees are not
applied against
Contract Value invested in the Indexed Accounts.
|
|
||
|
|
2 As a percentage of average Account Value in the Subaccounts and the Indexed Accounts.
|
|
||
|
|
Lowest and Highest Annual Cost Table. Because your Contract is customizable, the
choices you make affect how much you will pay. To help you understand the cost of
owning your Contract, the following table shows the lowest and highest cost you could
pay each year. This estimate assumes that you do not take withdrawals from the
Contract, which could add negative Contract Adjustments that substantially increase
costs.
|
|
||
|
|
FEES, EXPENSES AND ADJUSTMENTS
|
Location in
Prospectus
|
||
|
|
Lowest Annual Cost: $726
|
Highest Annual Cost: $2,201
|
|
|
|
|
Assumes:
|
Assumes:
|
|
|
|
|
●Investment of $100,000 (to the
Subaccounts only)
●5% annual appreciation
●Least expensive fund fees and
expenses
●No optional benefits
●No additional Purchase Payments,
transfers, or withdrawals
●No sales charges or advisory fees
|
●Investment of $100,000 (to the
Subaccounts only)
●5% annual appreciation
●Most expensive combination of
optional benefits, fund fees and
expenses
●No additional Purchase Payments,
transfers, or withdrawals
●No sales charges or advisory fees
|
|
|
|
|
RISKS
|
Location in
Prospectus
|
||
|
Is There a Risk of
Loss From Poor
Performance?
|
Yes:
●You can lose money by investing in the VAA portion of this Contract (the
Subaccounts), including loss of principal.
●You can lose money by investing in the Indexed Accounts of this Contract. Your
investments in the Indexed Account is subject to all losses in excess of the
Protection Method you choose including any loss experienced from a negative Index
performance. Under extreme circumstances, you could lose up to 90% of your
investment in an Indexed Account with a 10% Protection Level, 85% of your
investment in an Indexed Account with a 15% Protection Level or 15% Dual Rate,
up to 80% of your investment in an Indexed Account with a 20% Protection Level,
up to 75% of your investment in an Indexed Account with a 25% Protection Level,
and up to 70% of your investment in an Indexed Account with a 30% Protection
Level. We do not guarantee that the Contract will always offer Indexed Accounts
that limit Index losses, which would mean risk of loss of the entire amount
invested.
●An Interim Value is calculated if an early withdrawal is taken prior to the end of
an
Indexed Term. This Interim Value formula may result in a loss even if the Index Value
at the time of the withdrawal is higher than the Index Value at the beginning of the
Indexed Term.
|
●Principal Risks
of Investing in
the Contract
●Investments of
the Variable
Annuity
Account
|
||
|
|
RISKS
|
Location in
Prospectus
|
||
|
Is This a Short-
Term Investment?
|
No:
●This Contract is not designed for short-term investing and is not appropriate for
the
investor who needs ready access to cash.
●Indexed interest will only be credited to an Indexed Account at the end of an Indexed
Term. No interest will be credited to funds withdrawn or surrendered before the end
of an Indexed Term.
●Withdrawals taken prior to the end of an Indexed Term may result in a negative
Contract Adjustment based on the Interim Value and loss of positive Index
performance. The Interim Value formula may result in a loss even if the Index Value
at the time of the withdrawal is higher than the Index Value at the beginning of the
Indexed Term.
●Withdrawals are subject to ordinary income tax and may be subject to tax penalties.
●At the end of an Indexed Term, you may reallocate the Indexed Segment Maturity
Value to any available Indexed Account as long as the reallocation request is received
on or before the Indexed Anniversary Date. If we do not hear from you by the end of
the Indexed Term, we will reallocate your Segment Maturity Value into a new Indexed
Segment with the same Crediting Method, Indexed Term, Index and Protection
Method, if available. A new rate will apply based on the Indexed Segment you select.
If the same type of Indexed Segment is not available, your Segment Maturity Value
will be moved to the LVIP PIMCO Low Duration Bond Fund and will not be eligible for
reallocation into another Indexed Account until the next Indexed Anniversary Date.
|
●Principal Risks
of Investing in
the Contract
●Surrender and
Withdrawals
●Fee Tables
●Charges and
Adjustments
|
||
|
|
RISKS
|
Location in
Prospectus
|
||
|
What are the
Risks Associated
With Investment
Options?
|
●An investment in this Contract is subject to the risk of poor investment performance
of the Subaccounts and Indexed Accounts you choose. Performance can vary
depending on the performance of the mutual funds underlying the Separate Accounts
and the Indexes linked to the Indexed Accounts.
●Each Subaccount and Indexed Account has its own unique risks and you should
review the available Subaccounts and Indexed Accounts before making an
investment decision.
●For the Indexed Accounts, the Crediting Method you select may limit positive
(upside) Index returns. This may result in you earning less than the Index return.
For
example:
●If the Indexed Account has a Performance Cap, and the Index return is 12% and
the Performance Cap is 10%, we will credit 10% in interest at the end of the
Indexed Term.
●If the Indexed Account has a Participation Rate, and the Index return is 20%, and
the Participation Rate is 90%, we will credit 18% in interest at the end of the
Indexed Term.
●If the Indexed Account has a Performance Trigger Rate, and the Index return is
12% and the Performance Trigger Rate is 10%, we will credit 10% in interest at the
end of the Indexed Term.
●If the Indexed Account has a Dual Performance Trigger Rate, and the Index return
is 12% and the Dual Performance Trigger Rate is 8%, we will credit 8% in interest
at the end of the Indexed Term.
●If the Indexed Account has a Dual Rate and Performance Cap, and the Index return
is 60%, and the Performance Cap is 50%, we will credit 50% in interest at the end
of the Indexed Term.
●The Protection Level will limit negative (downside) Index returns. For example, if
the
Index return is -25% and the Protection Level is 10%, we will deduct 15% (the
amount that exceeds the Protection Level) at the end of the Indexed Term.
●The Dual Rate will limit negative (downside) Index returns. For example, if the Index
return is -25% and the Dual Rate is 15%, we will deduct 10% at the end of the
Indexed Term.
●Each Index is a “price return Index,” not a “total return Index,” and therefore does not
reflect dividends paid on the underlying securities. This will reduce the Index return
and will cause the Index to underperform a direct investment in the securities
composing the Index.
|
●Principal Risks
of Investing in
the Contract
●Investments of
the Variable
Annuity
Account
|
||
|
What are the
Risks Related to
the Insurance
Company?
|
●An investment in the Contract is subject to the risks related to Lincoln Life. Any
obligations, guarantees, or benefits of the Contract are subject to our claims-paying
ability. If we experience financial distress, we may not be able to meet our obligations
to you. More information about Lincoln Life, including our financial strength ratings,
is available upon request by calling 1-877-737-6872 or visiting
www.LincolnFinancial.com.
●Each Index’s returns do not include any dividends or other distributions declared by
the companies included in the Index and will cause the Index to underperform a
direct investment in the companies included in the Index.
|
●Principal Risks
of Investing in
the Contract
|
||
|
|
RESTRICTIONS
|
Location in
Prospectus
|
||
|
Are There
Restrictions on
the Investment
Options?
|
Yes:
●The frequency of transfers between Investment Options is restricted. There are also
restrictions on the minimum amount that may be transferred from a variable
Subaccount.
●We reserve the right to remove or substitute any Subaccounts or Indexed Accounts
as Investment Options that are available under the Contract.
●You are generally restricted to no more than 12 transfers between Investment
Options per Contract Year.
●You cannot reallocate from an Indexed Account to another Indexed Account except
on an Indexed Anniversary if the Indexed Account is at the end of the Indexed Term.
If you transfer from an Indexed Account to a variable Subaccount and it is not at
the
end of the Indexed Term, any transfer will be based on the Interim Value of the
Indexed Account. If you do not want to remain invested in an Indexed Account until
the end of the Indexed Term, your only options are to make withdrawals out of the
Indexed Accounts, transfer to a variable Subaccount or surrender the Contract. The
amount you would receive or transfer would be based on the Interim Value.
●All Indexed Segments must begin on the Indexed Anniversary Date. All future
Indexed Terms must begin on the same Indexed Anniversary Date. This means that
after the initial Indexed Segment is created, you can only allocate future Purchase
Payments or market transfers of Contract Value to the Indexed Accounts one time a
year. If you have more than one 3-Year or 6-Year Term Indexed Segment in effect at
any time, Indexed Terms of the same term length must have the same Start Date.
●We determine and provide the available Indexed Accounts and applicable rates for the
Crediting Methods of each Indexed Segment at least 5 days in advance of the
Indexed Anniversary Date. We may not offer new Indexed Segments for the Indexed
Accounts or change the features of an Indexed Account from one Indexed Term to
the next, including the Index and the current limits on Index gains and losses.
Therefore, an Indexed Account may not be available for you to reallocate your
Contract Value on an Indexed Anniversary Date.
●Each Index’s returns do not include any dividends or other distributions declared by
the companies included in the Index and will cause the Index to underperform a
direct investment in the companies included in the Index.
●We have the right to substitute an alternative Index prior to the End Date of an
Indexed Term if an Index is discontinued; we are engaged in a contractual dispute
with the Index provider; we determine that our use of an Index should be
discontinued because, for example, changes to the Index make it impractical or
expensive to purchase securities or derivatives to hedge the Index; there is a
substantial change in the calculation of an Index, resulting in significantly different
values and performance; or for a legal reason we cannot offer the Index. If we
substitute an Index for an existing Indexed Segment, we will not change the Crediting
Method or Protection Method for the Indexed Term. We will attempt to choose a new
Index that has a similar investment objective and risk profile to the existing Index.
●We reserve the right, within the law, to make certain changes to the structure and
operation of the VAA at our discretion and without your consent. We may add, delete,
or substitute funds for all Contractowners or only for certain classes of
Contractowners. New or substitute funds may have different fees and expenses and
may only be offered to certain classes of Contractowners. Substitutions may be made
with respect to existing investments or the investment of future Purchase Payments,
or both. We may close Subaccounts to allocations of Purchase Payments or Contract
Value, or both at any time in our sole discretion. In addition, a Subaccount may
become unavailable due to the liquidation of its underlying fund portfolio.
●If you elect to pay third-party advisory fees out of your Contract Value, this deduction
may reduce the Death Benefit(s) and other guaranteed benefits, and may be subject
to federal and state income taxes and a 10% federal penalty tax.
|
●Principal Risks
of Investing in
the Contract
●Investments of
the Variable
Annuity
Account
●Federal Tax
Matters –
Payment of
Investment
Advisory Fees
|
||
|
|
RESTRICTIONS
|
Location in
Prospectus
|
||
|
Are There any
Restrictions on
Contract
Benefits?
|
Yes:
●i4LIFE® Indexed Advantage:
●A minimum level of Contract Value is required to elect.
●Only available with Indexed Accounts with 1-year Indexed Terms.
●Must be elected at the time of issue or on any Indexed Anniversary Date.
●Withdrawals will reduce the Death Benefit.
●The Contract will terminate when any Death Benefit is paid due to the death of the
Annuitant.
|
●The Contracts
|
||
|
|
TAXES
|
Location in
Prospectus
|
||
|
What are the
Contract’s Tax
Implications?
|
●Consult with a tax professional to determine the tax implications of an investment
in
and payments received under this Contract.
●If you purchase the Contract through a tax-qualified plan or IRA, you do not get any
additional tax benefit under the Contract.
●Earnings on your Contract are taxed at ordinary income tax rates when you withdraw
them, and you may have to pay a penalty if you take a withdrawal before age 59½.
|
●Federal Tax
Matters
|
||
|
|
CONFLICTS OF INTEREST
|
Location in
Prospectus
|
||
|
Should I
Exchange My
Contract?
|
●If you already own a contract, some investment professionals may have a financial
incentive to offer you a new contract in place of the one you currently own. You
should only exchange your existing Contract if you determine, after comparing the
features, fees, and risks of both contracts, that it is better for you to purchase
the
new contract rather than continue to own your existing Contract.
|
●The Contracts -
Replacement
of Existing
Insurance
|
||
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current Expenses
|
Average Annual Total
Returns (as of 12/31/2024)
|
||
|
|
|
|
1 year
|
5 year
|
10 year
|
|
High total return (including income and
capital gains) consistent with
preservation of capital over the long
term.
|
American Funds® IS Asset Allocation
Fund - Class 4
advised by Capital Research and
Management Company
|
0.79%
|
16.11%
|
8.04%
|
8.05%
|
|
Growth of capital.
|
American Funds® IS Growth Fund -
Class 4
advised by Capital Research and
Management Company
|
0.84%
|
31.29%
|
18.53%
|
16.29%
|
|
Long-term growth of capital.
|
Fidelity® VIP Mid Cap Portfolio - Service
Class 2
|
0.82%
|
17.18%
|
11.06%
|
8.94%
|
|
To provide capital appreciation.
|
First Trust Capital Strength Portfolio -
Class I
|
1.10%2
|
10.41%
|
N/A
|
N/A
|
|
To provide total return by allocating
among dividend-paying stocks and
investment grade bonds.
|
First Trust/Dow Jones Dividend &
Income Allocation Portfolio - Class I6
|
1.18%
|
6.01%
|
4.48%
|
6.14%
|
|
Long-term capital appreciation;
preservation of capital is also an
important consideration.
|
Franklin Rising Dividends VIP Fund -
Class 4
|
0.98%2
|
10.68%
|
10.19%
|
10.33%
|
|
To seek to achieve a high level of total
return on its assets through a
combination of capital appreciation and
current income.
|
Invesco V.I. Equally-Weighted S&P 500
Fund - Series II Shares5
This fund is not available in contracts
issued on or after June 21, 2021.
|
0.59%
|
12.42%
|
10.20%
|
9.65%
|
|
High total investment return.
|
LVIP BlackRock Global Allocation Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.97%2
|
9.23%
|
5.94%
|
N/A
|
|
Current income while (i)maintaining a
stable value of your shares (providing
stability of net asset value) and (ii)
preserving the value of your initial
investment (preservation of capital).
|
LVIP Government Money Market Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.64%2
|
4.68%
|
2.08%
|
1.33%
|
|
To maximize total return by investing
primarily in a diversified portfolio of
intermediate- and long-term debt
securities.
|
LVIP JPMorgan Core Bond Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.72%
|
1.46%
|
-0.19%
|
1.24%
|
|
Investment Objective
|
Fund and
Adviser/Sub-adviser1
|
Current Expenses
|
Average Annual Total
Returns (as of 12/31/2024)
|
||
|
|
|
|
1 year
|
5 year
|
10 year
|
|
Capital Appreciation.
|
LVIP MFS Value Fund - Service Class
advised by Lincoln Financial Investments
Corporation
|
0.86%2
|
11.57%
|
7.83%
|
8.43%
|
|
To seek a high level of current income
consistent with preservation of capital.
|
LVIP PIMCO Low Duration Bond Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.90%2
|
4.87%
|
1.38%
|
1.60%
|
|
To approximate as closely as practicable,
before fees and expenses, the
performance of a broad market index of
non-U.S. foreign securities.
|
LVIP SSGA International Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.63%2
|
2.97%
|
4.23%
|
4.72%
|
|
To approximate as closely as practicable,
before fees and expenses, the total rate
of return of common stocks publicly
traded in the United States, as
represented by the S&P 500 Index.
|
LVIP SSGA S&P 500 Index Fund -
Service Class4
advised by Lincoln Financial Investments
Corporation
|
0.48%
|
24.42%
|
13.96%
|
12.56%
|
|
To approximate as closely as practicable,
before fees and expenses, the
performance of the Russell 2000®
Index, which emphasizes stocks of small
U.S. companies.
|
LVIP SSGA Small-Cap Index Fund -
Service Class
advised by Lincoln Financial Investments
Corporation
|
0.63%2
|
10.87%
|
6.70%
|
7.11%
|
|
Index
|
Type of Index
|
Term
Duration
|
Index Crediting
Methodology
|
Protection Method and
Amount of Protection
|
Guaranteed Minimum
Declared Crediting
Rate
|
|
S&P 500® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
1-Year
|
Point-to Point
|
15% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
June 20, 2023.
|
Market Index
|
1-Year
|
Point-to-Point
|
100% Protection
Level
|
N/A Performance
Cap
|
|
Russell 2000® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Capital Strength Net Fee IndexSM 1
This Indexed Account is available for
all contracts purchased on or after
June 20, 2023.
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
First Trust American Leadership
IndexTM 1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
First Trust American Leadership
IndexTM 1
|
Market Index
|
1-Year
|
Point-to-Point
|
15% Protection
Level
|
N/A Performance
Cap
|
|
MSCI EAFE Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Nasdaq-100 Price Return Index®1
|
Market Index
|
1-Year
|
Point-to-Point
|
15% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
6-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
6-Year
|
Point-to-Point
|
30% Protection
Level
|
N/A Performance
Cap
|
|
Index
|
Type of Index
|
Term
Duration
|
Index Crediting
Methodology
|
Protection Method and
Amount of Protection
|
Guaranteed Minimum
Declared Crediting
Rate
|
|
Russell 2000® Price Return Index1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Russell 2000® Price Return Index1
|
Market Index
|
6-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Cap
|
|
Russell 2000® Price Return Index1
|
Market Index
|
6-Year
|
Point-to-Point
|
30% Protection
Level
|
N/A Performance
Cap
|
|
Capital Strength Net Fee IndexSM 1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Capital Strength Net Fee IndexSM 1
|
Market Index
|
6-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Cap
|
|
Capital Strength Net Fee IndexSM 1
This Indexed Account is available for
all contracts purchased on or after May
2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
30% Protection
Level
|
N/A Performance
Cap
|
|
First Trust American Leadership
IndexTM 1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
First Trust American Leadership
IndexTM 1
|
Market Index
|
6-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Cap
|
|
MSCI EAFE IndexTM 1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
3-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
Index
|
Type of Index
|
Term
Duration
|
Index Crediting
Methodology
|
Protection Method and
Amount of Protection
|
Guaranteed Minimum
Declared Crediting
Rate
|
|
Capital Strength Net Fee IndexSM1
|
Market Index
|
3-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
First Trust American Leadership
IndexSM1
|
Market Index
|
3-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
S&P 500® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
November 20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
Russell 2000® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
November 20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
Capital Strength Net Fee Index1
This Indexed Account is available for
all contracts purchased on or after
November 20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
First Trust American Leadership
IndexTM1
This Indexed Account is available for
all contracts purchased on or after
November 20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
MSCI EAFE Index1
This Indexed Account is available for
all contracts purchased on or after
November 20, 2023.
|
Market Index
|
6-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Participation
Rate
|
|
S&P 500® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Trigger Rate
|
|
S&P 500® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
15% Protection
Level
|
N/A Performance
Trigger Rate
|
|
S&P 500® Price Return Index1
This Indexed Account is not available
to contracts issued on and after August
21, 2023. This Indexed Account is no
longer available for existing
Contractowners at the end of their
current Term or on any Indexed
Anniversary Date on or after November
20, 2023.
|
Market Index
|
1-Year
|
Point-to-Point
|
20% Protection
Level
|
N/A Performance
Trigger Rate
|
|
Nasdaq-100® Price Return Index1
|
Market Index
|
1-Year
|
Point-to-Point
|
15% Protection
Level
|
N/A Performance
Trigger Rate
|
|
First Trust American Leadership
IndexTM 1
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Performance
Trigger Rate
|
|
S&P 500® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Dual
Performance
Trigger Rate
|
|
Index
|
Type of Index
|
Term
Duration
|
Index Crediting
Methodology
|
Protection Method and
Amount of Protection
|
Guaranteed Minimum
Declared Crediting
Rate
|
|
Russell 2000® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Dual
Performance
Trigger Rate
|
|
Capital Strength Net Fee IndexSM 1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Dual
Performance
Trigger Rate
|
|
First Trust American Leadership
IndexTM 1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
1-Year
|
Point-to-Point
|
10% Protection
Level
|
N/A Dual
Performance
Trigger Rate
|
|
S&P 500® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
6-Year
|
Point-to-Point
|
15% Dual Plus
|
N/A Performance
Cap
|
|
Russell 2000® Price Return Index1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
6-Year
|
Point-to-Point
|
15% Dual Plus
|
N/A Performance
Cap
|
|
Capital Strength Net Fee IndexSM 1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
6-Year
|
Point-to-Point
|
15% Dual Plus
|
N/A Performance
Cap
|
|
First Trust American Leadership
IndexTM 1
This Indexed Account is available for
all contracts purchased on or after
August 21, 2023, subject to state
availability.
|
Market Index
|
6-Year
|
Point-to-Point
|
15% Dual Plus
|
N/A Performance
Cap
|
|
S&P 500® Price Return Index1
|
Market Index
|
6-Year
|
Annual Lock
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Russell 2000® Price Return Index1
|
Market Index
|
6-Year
|
Annual Lock
|
10% Protection
Level
|
N/A Performance
Cap
|
|
Capital Strength Net Fee Index1
|
Market Index
|
6-Year
|
Annual Lock
|
10% Protection
Level
|
N/A Performance
Cap
|
|
MSCI EAFE Index1
|
Market Index
|
6-Year
|
Annual Lock
|
10% Protection
Level
|
N/A Performance
Cap
|