![]() ![]() The Rate Enhancement Rider is a fantastic feature to add to your annuity if you want to take your accumulation power to the next level! This rider increases the amount available for free withdrawal from 5% to 10% of your annuity’s Account Value. What are the benefits of the Rate Enhancement Rider?.With the purchase of the Rate Enhancement Rider, this 5% increases to 10%. In the second contract year, the Accumulation Protector Plus SM Annuity allows you to withdraw up to 5% of your Account Value or your Required Minimum Distribution, whichever greater. Are penalty-free withdrawals available?.A Point-to-Point strategy measures the difference in the index’s value on each contract anniversary, comparing it to the value of the index either a year earlier, two years earlier, or three years earlier, depending on the option you choose. The crediting strategies include a Fixed Rate account, Trigger Rate account, and several Point-to-Point with Participation Rate or Cap Rate accounts. The crediting periods for the Accumulation Protector Plus SM Annuity’s crediting strategies range from one, two, or three years. At that time, you may allocate to any available strategy for a new crediting period of one, two or three years. We know that your life and needs are ever evolving, and that is why you can adjust your allocations on the contract anniversary coinciding with the end of each strategy’s crediting period. These crediting strategies include a Fixed Account and ten Indexed Accounts linked to three indices, the CS Momentum Index, the CS ESG Macro 5 Index, and the S&P 500 ® Index. You have the flexibility to choose how your single premium is allocated across eleven crediting strategies. ![]() How can my principal grow through the Accumulation Protector Plus SM (APP) Annuity?.*If Rate Enhancement Rider is purchased, principal will not decrease due to market performance but could decrease due to the rider fee. You do not lose money, including interest earned during previous crediting periods, if the index value drops because your money is allocated to the annuity itself rather than directly to the index (or indices). Whether the market goes up, down, or remains the same, your principal is guaranteed not to decrease* due to market performance and is protected through the APP’s Fixed and Indexed Accounts. How does the Accumulation Protector Plus SM (APP) Annuity protect my principal?.To learn more about this index, please read the CS ESG Macro 5 Index brochure or visit: The framework of the CS ESG Macro 5 Index uses diversification as an approach to create value for your annuity by seeking returns across various market environments while mitigating risk exposure.Īccess to the CS ESG Macro 5 Index is exclusive to buyers of the Accumulation Protector Plus SM Annuity. With the ESG component, your annuity has exposure to a risk-weighted basket of four MSCI ESG Indices that focus on regional activities considered positive for the environment, society, that are not subject to controversy and that display the highest ESG scores as computed by MSCI. The CS ESG Macro 5 Index uses a daily adjustment aimed at stabilizing performance and generating consistent returns over time. The CS ESG Macro 5 Index, a global multi-asset index, applies an innovative strategy that combines environment, social and governance (ESG) equity components with macro components, while a risk control mechanism targets a 5% index volatility. To learn more about this index, please read the CS Momentum Index brochure or visit. The risk-monitored CS Momentum Index can create value for your annuity in all market types (rising, falling, or remaining the same) by taking long positions (buying) in components exhibiting the strongest trends and short positions (selling) in components with weaker trends.Īccess to the CS Momentum Index is exclusive to buyers of the Accumulation Protector Plus SM Annuity. The CS Momentum Index was designed to adapt to various market conditions and generate consistent returns over time. The CS Momentum Index is a global multi-asset index that dynamically allocates across its components using a unique and flexible momentum-driven strategy with risk-adjusted weightings. *The Accumulation Protector Plus SM (APP) Annuity offers growth potential whether the market goes up, down, or remains the same. With access to its exclusive and flexible crediting strategies, the APP offers protection and growth potential in any market.* The Accumulation Protector Plus SM Annuity (APP) is a fixed indexed annuity designed to both accumulate wealth, and protect it against future market downturns. What is the Accumulation Protector Plus SM (APP) Annuity?. ![]()
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