Free Amount
No. 10% of the Initial Premium (not including Bonus)
PS10 Premium bonus prior to 09/15/2025
10%
Date this product became available in CA
04/20/2026
14%
Maximum percent of Free Amount that can be stored in Reserve
21%
For Momentum Growth Plus, what is the Free Amount in the 1st contract year?
10% of the initial premium
MP10 Premium Bonus for policies issued after 07/01/2025
15%
Either of these Terms can be used to describe the percentage of Indexed Interest that is being "offered" by the client, for potential enhanced crediting rate
Earnings-At-Risk OR VersaGain
The distribution channel for this product
IMO
Max ACD Date/Earliest Annuitization
For Trackguard+, what is the Free Amount for the 1st contract year?
7% of the Initial Premium
What is the percentage bonus for a policy issued 10/01/26 in Florida to an owner who turned 64 on 11/21/25
26%
The distribution channel for this product
Multistack IMO
The Reallocation window with grace period
30 days prior to the anniversary, no grace period without exception.
Enhanced Liquidity Rider Fee
.95% annually
For TrackGuard+ and Primestart 10, this additional mechanism (not MVA or Surrender Charges) applies to withdrawals that exceed the Free Amount.
Bonus Recapture
For a PS10 policy issued 10/01/25 in the state of OR in it's 4th contract year, if a withdrawal exceeded the Free Amount, this percentage of the premium bonus would be impacted.
83%
Protected Auto-Credit percentages that can be protected or offered by the client for potential enhanced credit rates
0%, 50%, 100%
The rate tier break point. Do bonuses apply?
$100,000.00. No.
This feature guarantees that, at the end of the Surrender Charge Period, the client's Account Value will be worth at least the _______ Base amount, minus withdrawals, surrender charges, and +/- MVA
Premium Guard
For the Trackguard+ product after year 3, what is the maximum total number of years of free withdrawals that can be taken out at the same time?
4 years. 3 years' "reserved", plus the current contract year.
For a MP10 policy issued in CA, what percent is vested in year 8 of the contract?
1/3rd
This event freezes the owner's Index Value and Available Gain on that day and secures them for the remainder of the Index Term (regardless of how the index performs). Mechanism to lock-in Available Gains
Lock-In of Available Gain
When no reallocation instructions are received the indexed interest will
This benefit gives the owner an opportunity to retain more of their Premium, as well as the Premium Bonus if an owner elects to fully surrender their contract within the surrender charge, but after a designated waiting period
Enhanced Return of Premium