Exhibit 99.(r)
| Index | Strategy | Protection Level |
Rider | Term | Rate / Cap | Guaranteed Minimum Rate / Cap |
Fixed Non Forfeiture |
Initial Tier Level |
Guaranteed Maximum Tier Level |
Tier
1 Participation Rate |
Minimum Tier 1 Participation Rate |
Tier
2 Participation Rate |
Minimum Tier 2 Participation Rate |
| Pacific Protective Growth _ Historical Rates (as of December 16, 2024, in effect January 1, 2025) | |||||||||||||
| Fixed | GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Fixed | Non GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Performance Mix | 10% Buffer | Non GMWB | 6 | 3.00% | 100.00% | 60.00% | |||||||
| S&P 500 | Cap Rate | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | GMWB | 1 | 11.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | GMWB | 1 | 8.25% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 1 | 11.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | Non GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 1 | 8.25% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | Non GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 115.00% | 60.00% | ||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 6 | 400.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 20% Buffer | Non GMWB | 6 | 350.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | Non GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | Non GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 150.00% | 60.00% | ||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 6 | 500.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 20% Buffer | Non GMWB | 6 | 350.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 20% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | GMWB | 1 | 15.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | GMWB | 1 | 13.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | GMWB | 1 | 8.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 13.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 8.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 105.00% | 60.00% | ||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | GMWB | 1 | 14.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 14.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 135.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 6 | 130.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| Pacific Protective Growth _ Historical Rates (as January 16, 2025) | |||||||||||||
| Index | Strategy | Protection Level |
Rider | Term | Rate / Cap | Guaranteed Minimum Rate / Cap |
Fixed Non Forfeiture |
Initial Tier Level |
Guaranteed Maximum Tier Level |
Tier
1 Participation Rate |
Minimum Tier 1 Participation Rate |
Tier
2 Participation Rate |
Minimum Tier 2 Participation Rate |
| Fixed | GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Fixed | Non GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Performance Mix | 10% Buffer | Non GMWB | 6 | 3.00% | 100.00% | 60.00% | |||||||
| S&P 500 | Cap Rate | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | GMWB | 1 | 11.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | GMWB | 1 | 8.25% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 1 | 11.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | Non GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 1 | 8.25% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | Non GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 115.00% | 60.00% | ||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 20% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | Non GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | Non GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 150.00% | 60.00% | ||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 20% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 20% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | GMWB | 1 | 15.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | GMWB | 1 | 13.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | GMWB | 1 | 8.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 13.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 8.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 105.00% | 60.00% | ||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | GMWB | 1 | 14.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 14.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 135.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 6 | 130.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| Pacific Protective Growth _ Historical Rates (as July 16, 2025) | |||||||||||||
| Index | Strategy | Protection Level |
Rider | Term | Rate / Cap | Guaranteed Minimum Rate / Cap |
Fixed
Non Forfeiture |
Initial Tier Level |
Guaranteed Maximum Tier Level |
Tier
1 Participation Rate |
Minimum Tier 1 Participation Rate |
Tier
2 Participation Rate |
Minimum Tier 2 Participation Rate |
| Fixed | GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Fixed | Non GMWB | 1 | 3.25% | 0.50% | 3.00% | ||||||||
| Performance Mix | 10% Buffer | Non GMWB | 6 | 3.00% | 100.00% | 60.00% | |||||||
| S&P 500 | Cap Rate | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | Non GMWB | 1 | 10.50% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | -10% Floor | Non GMWB | 1 | 11.00% | 2.00% | 3.00% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.75% | 2.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 6 | 750.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Cap Rate | 20% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 3.00% | ||||||
| S&P 500 | Dual Direction | 20% Buffer | Non GMWB | 6 | 75.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 1 | 7.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | Non GMWB | 1 | 7.75% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | Non GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.00% | 2.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 6 | 800.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 150.00% | 60.00% | ||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 6 | 750.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 6 | 600.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Cap Rate | 20% Buffer | Non GMWB | 6 | 700.00% | 12.00% | 3.00% | ||||||
| MSCI EAFE | Dual Direction | 20% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | GMWB | 1 | 18.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | GMWB | 1 | 14.75% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | GMWB | 1 | 10.75% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 18.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 14.75% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.75% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 12.00% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 9.50% | 2.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 100.00% | 60.00% | ||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 3.00% | ||||||
| Invesco QQQ ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 75.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | GMWB | 1 | 20.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | GMWB | 1 | 16.25% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | GMWB | 1 | 10.25% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 20.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 16.25% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.50% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 16.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.25% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.75% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 15.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 10.00% | 2.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 135.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 105.00% | 60.00% | ||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 3.00% | ||||||
| iShares Russell ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | Non GMWB | 1 | 11.25% | 2.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 6 | 130.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 3.00% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 3.00% | ||||||
| First Trust Growth | Cap Rate | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 3.00% | ||||||
| Pacific Protective Growth _ Historical Rates (as of September 1, 2025, non-forfeiture rate change only) | |||||||||||||
| Index | Strategy | Protection Level |
Rider | Term | Rate / Cap | Guaranteed Minimum Rate / Cap |
Fixed Non Forfeiture |
Initial Tier Level |
Guaranteed Maximum Tier Level |
Tier
1 Participation Rate |
Minimum Tier 1 Participation Rate |
Tier
2 Participation Rate |
Minimum Tier 2 Participation Rate |
| Fixed | GMWB | 1 | 3.25% | 0.50% | 2.70% | ||||||||
| Fixed | Non GMWB | 1 | 3.25% | 0.50% | 2.70% | ||||||||
| Performance Mix | 10% Buffer | Non GMWB | 6 | 2.70% | 100.00% | 60.00% | |||||||
| S&P 500 | Cap Rate | 10% Buffer | GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | GMWB | 1 | 12.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | GMWB | 1 | 10.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | -10% Floor | GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | GMWB | 1 | 8.75% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | Non GMWB | 1 | 10.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | -10% Floor | Non GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.75% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 6 | 750.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 20% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 20% Buffer | Non GMWB | 6 | 75.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | GMWB | 1 | 17.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | GMWB | 1 | 7.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | GMWB | 1 | 7.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | GMWB | 1 | 8.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 1 | 17.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 1 | 7.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | Non GMWB | 1 | 7.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | Non GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 6 | 800.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 150.00% | 60.00% | ||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 6 | 750.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 6 | 600.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 20% Buffer | Non GMWB | 6 | 700.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 20% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | GMWB | 1 | 18.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | GMWB | 1 | 14.75% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | GMWB | 1 | 10.75% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | GMWB | 1 | 9.50% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 18.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 14.75% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.75% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 9.50% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 100.00% | 60.00% | ||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 75.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | GMWB | 1 | 20.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.50% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | GMWB | 1 | 10.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.75% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 20.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.50% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.75% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 135.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 105.00% | 60.00% | ||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | GMWB | 1 | 12.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | Non GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 6 | 130.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 110.00% | 60.00% | ||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| Pacific Protective Growth _ Historical Rates (as of December 1, 2025) | |||||||||||||
| Index | Strategy | Protection Level |
Rider | Term | Rate / Cap | Guaranteed Minimum Rate / Cap |
Fixed Non Forfeiture |
Initial Tier Level |
Guaranteed Maximum Tier Level |
Tier
1 Participation Rate |
Minimum Tier 1 Participation Rate |
Tier
2 Participation Rate |
Minimum Tier 2 Participation Rate |
| Fixed | GMWB | 1 | 3.25% | 0.50% | 2.70% | ||||||||
| Fixed | Non GMWB | 1 | 3.25% | 0.50% | 2.70% | ||||||||
| Performance Mix | 10% Buffer | Non GMWB | 6 | 2.70% | 100.00% | 60.00% | |||||||
| S&P 500 | Cap Rate | 10% Buffer | GMWB | 1 | 16.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | GMWB | 1 | 12.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | GMWB | 1 | 10.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | -10% Floor | GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | GMWB | 1 | 8.75% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 1 | 16.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 1 | 12.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 10% Buffer | Non GMWB | 1 | 10.50% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | -10% Floor | Non GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| S&P 500 | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.75% | 2.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 10% Buffer | Non GMWB | 6 | 150.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 103.00% | 60.00% | ||
| S&P 500 | Cap Rate | 15% Buffer | Non GMWB | 6 | 200.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 15% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| S&P 500 | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | GMWB | 1 | 19.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | GMWB | 1 | 14.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | GMWB | 1 | 7.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | GMWB | 1 | 7.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | GMWB | 1 | 17.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | GMWB | 1 | 8.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 1 | 19.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 1 | 11.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 10% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 1 | 14.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 1 | 7.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | 15% Buffer | Non GMWB | 1 | 7.75% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | -10% Floor | Non GMWB | 1 | 17.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Performance Trigger | -10% Floor | Non GMWB | 1 | 8.00% | 2.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 10% Buffer | Non GMWB | 6 | 800.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 140.00% | 60.00% | ||
| MSCI EAFE | Cap Rate | 15% Buffer | Non GMWB | 6 | 750.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 15% Buffer | Non GMWB | 6 | 600.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Cap Rate | 20% Buffer | Non GMWB | 6 | 700.00% | 12.00% | 2.70% | ||||||
| MSCI EAFE | Dual Direction | 20% Buffer | Non GMWB | 6 | 145.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | GMWB | 1 | 13.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | GMWB | 1 | 13.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | GMWB | 1 | 9.50% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 13.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 13.25% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 12.00% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 9.50% | 2.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | Uncapped | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 103.00% | 60.00% | ||
| Invesco QQQ ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 90.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 80.00% | 12.00% | 2.70% | ||||||
| Invesco QQQ ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 70.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | GMWB | 1 | 20.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | GMWB | 1 | 11.50% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | GMWB | 1 | 10.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | GMWB | 1 | 9.75% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 1 | 20.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 1 | 16.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 10% Buffer | Non GMWB | 1 | 11.50% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 1 | 16.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 1 | 10.25% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | 15% Buffer | Non GMWB | 1 | 9.75% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | -10% Floor | Non GMWB | 1 | 15.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Performance Trigger | -10% Floor | Non GMWB | 1 | 10.00% | 2.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 10% Buffer | Non GMWB | 6 | 135.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 10% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 103.00% | 60.00% | ||
| iShares Russell ETF | Cap Rate | 15% Buffer | Non GMWB | 6 | 120.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 15% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Cap Rate | 20% Buffer | Non GMWB | 6 | 100.00% | 12.00% | 2.70% | ||||||
| iShares Russell ETF | Dual Direction | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | GMWB | 1 | 12.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 1 | 15.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 1 | 12.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | -10% Floor | Non GMWB | 1 | 11.25% | 2.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 10% Buffer | Non GMWB | 6 | 130.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Tiered Participation Rate | 10% Buffer | Non GMWB | 6 | 2.70% | 20.00% | 50.00% | 100.00% | 60.00% | 103.00% | 60.00% | ||
| First Trust Growth | Cap Rate | 15% Buffer | Non GMWB | 6 | 110.00% | 12.00% | 2.70% | ||||||
| First Trust Growth | Cap Rate | 20% Buffer | Non GMWB | 6 | 85.00% | 12.00% | 2.70% | ||||||