5 & 7-Year Products
What distribution channel is Retirement Stages Select available through?
IMO
Does this product have a Premium Bonus feature?
No
This product is distributed through
Banks, Broker/Dealers, & IMO.
Negative Index Performance Results in:
No Positive Growth (No Loss)
Grace Period for FIA Product Reallocation
Not Available without Exception
What distribution channel is Growth Pathway available to?
Broker/Dealer
Free Amount in the 1st contract year?
10% of Total Initial Premiums at Issue, or RMD Amount.
At the end of the term, This (and all FIA) products are ____________
Out of Surrender, without Penalty
This is protected against negative performance in the Indexes
The Premium(s)
Point to Point Measures
What distribution channel is TruMax available to?
Truist
Subsequent Premiums are allowed up to
The day prior to the 1st Contract Anniversary
Do subsequent premiums have their own surrender schedule?
No, they do not. The original term is the only term for the policy.
Index Interest accrues ________
This Allocation Type is Uncapped
Participation Rate
First Year Free Amount for Trumax 5 & 7
5% of Premium or RMD amount.
0%, 50%, or 100% of Indexed Interest can be protected via this mechanism, which puts accrued earnings "at risk".
Available Gain & Protected Auto-Credit Percentage
Subsequent Premiums are invested in the
Fixed Account, until reallocation at the contact anniversary
Fixed Allocation accrue interest _________
Daily
If this allocation sees positive growth, the client receives predesignated indexed interest
Performance Trigger
As of 09/15/2025, this feature is not available for Retirement Stages Select
The Guaranteed Minimum Account Value (GMAV)
This irrevocable mechanism allows an owner to secure the prorated, available gains on an individual index account at any point during an index term.
Lock-In of Available Gain
Product Minimum One Time Withdrawal Amount
$250.00
If reallocation instructions are not received, indexed interest is invested in
The indexed interest is not reallocated, returning to the initial investment
This index was the first to market, measuring Bitcoin performance
BlackRock US Equity Bitcoin Balanced Risk 12% Index