Form 497VPU RIVERSOURCE LIFE INSURAN
Tweet
Share
E-mailRiverSource®
Structured Solutions 2SM annuity
SINGLE PURCHASE PAYMENT DEFERRED INDEX-LINKED ANNUITY CONTRACT AND INTERESTS THEREIN
| Issued by: |
RiverSource Life Insurance Company (RiverSource Life) |
| |
70100 Ameriprise Financial Center
Minneapolis, MN 55474 Telephone: 1-800-862-7919
(Service Center) |
Updating Summary Prospectus
May 1, 2026
The Prospectus for the RiverSource Structured Solutions 2 annuity (the Contract), a group deferred combination fixed/variable annuity contract issued by
RiverSource Life Insurance Company (“RVS Life”, “we”, “us” and “our”), is available and contains more information about the Contract including its features, benefits and risks. You can find the current prospectus and other information about the Contract online at riversource.com/annuities. You can
also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to
[email protected].
Additional information about certain investment products, including variable
annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at
Investor.gov.
The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.
RiverSource Structured Solutions 2 annuity —
Summary Prospectus 1
Key Terms
These terms can help you understand details about your Contract.
Annual Fee (Reduction Rate). A percentage that applies to certain Indexed Accounts (as defined in Your Contract) which is used to determine the Total Reduction Rate.
Annualized Income Rate. A declared annualized percentage that is used to determine the Monthly Income for the Income Choice crediting method and limits positive Index returns.
Annuitant. The person or persons on whose life periodic Annuity Payments depend.
Annuity Payments. Periodic payments We make to You, or other named recipient(s), beginning on the Annuitization Start Date.
Buffer. A protection option for certain Crediting Methods. The Buffer percentage is the maximum percentage decrease in the Index rate of return before the Segment will incur a loss. If the Index rate of return is more negative than the Buffer percentage, the negative Index rate of return will be reduced by the Buffer percentage. If
the Index rate of return is negative and between zero and the Buffer percentage (inclusive of the Buffer
percentage), the Segment will not have a loss due to negative Index performance. The Buffer percentage for
each applicable Indexed Account will not change for the duration of the Contract.
Cap. For certain Crediting Methods, a declared maximum rate of return for a Segment when the Index rate of return is positive.
Contingent Return. A declared rate of return for certain Crediting Methods that limits positive Index returns. You will earn a predetermined rate of return if the Index rate of return is positive or is a loss that does not exceed the
Buffer or Trigger percentage.
Contract Anniversary. The same Day and month as the Contract Date each year that the Contract remains in force.
Contract Value. The sum of the values in the Interim Account and the Indexed Account(s).
Crediting Method. A method used to determine the Segment rate of return.
Index. A published index used to determine the Segment rate of return or the reference rate for the Market Value Adjustment. For purposes of this Contract, an Exchange Traded Fund (ETF) is considered an index.
Indexed Account. An option available to which You allocate the purchase payment and Contract Value. Each Indexed Account includes an Index(es), Crediting Method, duration, and protection option with a protection percentage. The Crediting Method, duration and applicable protection option and percentage for each Indexed Account will not change for the duration of the Contract.
Interim
Account. An option available to which You may allocate Contract Value after the MVA Period or after a
spousal continuation, subject to the limits in the Transfer of Contract Value provision. Also, used to hold
amounts for the optional automated transfer program and transfers of the Monthly Income amount if elected
by You. Amounts applied to the Interim Account earn a declared rate of interest.
Investment Base. The Investment Base is used to calculate the Segment Value. Each Segment has its own Investment Base. When a Segment starts, the Investment Base is set equal to the portion of the purchase payment or Contract Value that is allocated to an Indexed Account. The Investment Base is adjusted proportionally for partial surrenders and any rider charges based on the percentage of Segment Value that is surrendered/deducted (i.e. the Investment Base is reduced by more or less than the dollar amount surrendered/deducted depending on whether the Segment Value is less than or greater than the Investment Base, which is generally dependent upon the performance of the Index in addition to other factors. See “Valuing Your Investment – Indexed Account(s) Value” for more information). The Investment Base is separate from Your Contract Value and Segment Value and cannot be withdrawn in a lump sum or annuitized and is not payable as a death
benefit.
Monthly Income. The amount payable each month for a Segment with an Income Choice Crediting Method.
Segment. A Segment is created each time an amount is allocated to an Indexed Account. A Segment can only start on the Contract Date or on a Contract Anniversary.
Segment Lock Date. The Business Day the Segment is locked by either the elective or automatic lock feature.
Segment Maturity Date. The date a Segment ends. This is the Contract Anniversary date either (1) after the specified number of years following the Segment start date or (2) as changed by either an elective or automatic lock.
Segment Value. The amount of Your Contract Value that is allocated to a Segment. The value fluctuates daily.
Segment Value Calculation. The calculation used to determine the daily Segment Value on any day other than on the Segment start date and the Segment Maturity Date. The result of this calculation determines the amount available for full and partial surrenders (including RMDs and the Total Surrender Charge Free Amount), death benefits, and amounts applied to an annuity payment plan, as well as for the elective and automatic lock
features.
Surrender Charge. A charge We may deduct, based on the Surrender Charge schedule You selected at the time of application, if You surrender all or part of Your Contract Value before the end of the Surrender Charge period. A Surrender Charge does not apply to the Total Surrender Charge Free Amount.
RiverSource Structured Solutions 2 annuity — Summary Prospectus 3
Total
Reduction Rate. A percentage (based on the Annual Fee (Reduction Rate) and the duration of the Indexed Account) that applies to certain Indexed Accounts. It reduces the Segment rate of return (e.g., lowers a positive Segment rate of return and increases a negative Segment rate of return) on the Segment Maturity Date. Prior to the Segment Maturity Date, a portion of the Total Reduction Rate is reflected in the Segment Value based on the portion of the Segment that has elapsed. In Your Contract, this is defined as “total
fee”.
Total Surrender Charge Free Amount. The total amount You may surrender in any contract year during the Surrender Charge period without incurring a Surrender Charge. The Total Surrender Charge Free Amount is subject to the Segment Value Calculation if surrendered before the Segment Maturity Date. A Market Value Adjustment will apply to the Total Surrender Charge Free Amount during the Surrender Charge period.
Trigger. A protection
option for Contingent Return, only
available for Contacts with applications signed prior to May 4, 2026. The Trigger percentage is the maximum percentage decrease in the Index rate of return before the Segment will incur a loss. If the Index rate of return is more negative than the Trigger percentage, this option
provides no protection, and the Segment will incur the full negative Index rate of return (unlike the
Buffer protection that would reduce the loss). If the Index rate of return is negative and between zero and
the Trigger percentage (inclusive of the Trigger percentage), the Segment will not have a loss due to
negative Index performance. The Trigger percentage for each applicable Indexed Account will not change for
the duration of Your Contract.
Upside Participation Rate. A declared percentage that may adjust the rate of return for certain Crediting Methods.
4 RiverSource Structured Solutions 2
annuity — Summary Prospectus
Updated Information You Should Consider About
the Contract
The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2025. This may not reflect all of the changes that have
occurred since you entered into your Contract.
CONTRACT FEATURES
•
Effective May 27, 2025, the “Appendix B: State Variations” is amended to include Missouri variations.
•
Effective January 1, 2026, the “Appendix A: Investment Options Available Under the Contract” is amended to
disclose the minimum guaranteed interest rate with respect to the Interim Account for contracts issued on or after January 1, 2026.
•
Effective January 12, 2026, the “Appendix B: State Variations” is amended to include Oregon variations.
5
Important Information You Should Consider
About the Contract
| |
FEES, EXPENSES, AND
ADJUSTMENTS |
Location in
Statutory
Prospectus | ||
| Are There Charges
or Adjustments for
Early
Withdrawals? |
Yes. If you take a surrender during the first 3 or 6 Contract Years (depending on which Surrender Charge schedule you select), you may be assessed a Surrender Charge of up to 9% of the amount of the purchase payment surrendered. For example, if you make an early withdrawal, you could pay a
Surrender Charge of up to $9,000 on a $100,000 investment. The amount
available for surrender will be lower if there is a decrease in Contract Value
due to the Segment Value Calculation or a negative MVA is
applied. Taxes and/or tax penalties may also apply.
If all or a portion of Contract Value is removed from a Segment prior to the
Segment Maturity Date, the Segment Value Calculation is used to
determine the amount available. In extreme circumstances,
depending on the Indexed Account(s) you select, You could lose up
to 100% of the
amount invested in a Segment due to the Segment Value Calculation. For example, if you allocate $100,000 to a 3-year Segment and take a surrender before the 3 years have ended, you could lose up to $100,000.
Full and partial surrenders (including RMDs and the Total Surrender Charge
Free Amount, but excluding Income Choice monthly income), death
benefits, and annuitization from the Segments before the Segment
Maturity Date, as well as the elective and automatic lock
features, will be based on the Segment Value
Calculation. If all or a portion of Contract Value is removed from
a Segment before the end of the MVA Period, We will apply an MVA,
which may be negative. In extreme circumstances, a negative MVA
could significantly reduce the amount You receive. You could lose
up to 100% of the amount invested in the Contract due to a
negative MVA. For example, if you elect a 3-year Surrender Charge
Period (which has a 3-year MVA Period), invest $100,000, and then
take a full surrender before the end of the MVA Period, you could
lose up to $100,000. An MVA will apply to full and partial
surrenders (including RMDs, and the Total Surrender Charge Free
Amount, but excluding Income Choice monthly income and Contingent
Return earnings when using the optional automated transfer
program), annuitization, and death benefit payments from the
Segments during the MVA Period. An MVA may increase the death benefit
but will not decrease it.
Losses due to the Segment Value Calculation or a negative MVA will be
greater if you also have to pay Surrender Charges. Taxes and/or
tax penalties may also apply. |
Additional
Information About
Fees
Contract Fees,
Charges and Value
Adjustments
Valuing Your
Investment | ||
| Are There
Transaction
Charges? |
No. |
| ||
6 RiverSource Structured Solutions 2
annuity — Summary Prospectus
| |
FEES, EXPENSES, AND
ADJUSTMENTS |
Location in
Statutory
Prospectus | ||
| Are There Ongoing
Fees and
Expenses? |
Yes. The table below describes the current fees and expenses that You may pay
each year, depending on the 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 the Segments to the extent that Your
participation in Index gains is limited by Us through the use
of a Cap, Contingent Return, Annualized Income
Rate, and/or Total Reduction Rate. This means that Your returns may be lower than the Index’s
returns. However, in return for
accepting this limit on Index gains, You may
receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below. |
Additional
Information About
Fees
Contract Fees,
Charges and Value
Adjustments
Segment Duration
and Crediting
Methods–
Crediting Methods | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
0.00%
|
0.00%
| ||
| Optional benefits available for an
additional charge (for a single
optional benefit, if elected) |
0.30% (1) |
0.60% (2) | ||
| (1) As a percentage of the greater of the Maximum Anniversary Value
(“MAV”) or the Contract Value on each Contract
Anniversary prior to Your 91st birthday. On
or after Your 91st birthday,
the charge is a percentage of the MAV.
(2) As a percentage of the Return of Purchase Payment (“ROPP”)
Value on each Contract Anniversary.
Because Your Contract is customizable, the choices You make affect how
much You will pay. To help You understand the cost of owning the Contract,
the following table shows the lowest and highest cost You could pay each
year, based on current charges. This estimate assumes that You do
not take withdrawals from the Contract, which could add Surrender Charges and negative market value adjustments that substantially increase costs. | ||||
| Lowest Annual Cost:
$0 |
Highest Annual Cost:
$600 | |||
| Assumes:
•Investment of $100,000 •5% annual appreciation (index rate
of return)
•Least expensive combination of Indexed Accounts •No optional benefits
•No sales charge •No additional withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation (index
rate of return)
•Most expensive combination of optional benefits and Indexed Accounts •Fee for optional death benefit is
not based on the Segment Value
Calculation
•No sales charge •No additional withdrawals | |||
RiverSource Structured Solutions 2 annuity —
Summary Prospectus 7
| |
RISKS |
Location in
Statutory
Prospectus | ||
| Is There a Risk of
Loss from Poor
Performance? |
Yes.
You can lose money by investing in the Contract. After taking into account
the current limits on loss under the Contract, if You invest in
an Indexed Account with an Annual Fee (Reduction Rate) or an
Annual Lock Indexed Account and hold the Segment until the
Segment Maturity Date, the maximum amount of loss You could
experience due to negative Index performance is up to 100% of your investment, including any prior
earnings. If You invest in any other Indexed Account with a Buffer, the
maximum amount of loss You could experience ranges from 0% to 90%
of your investment, including any prior earnings, depending on
the Indexed Account(s) You select. If you invest in an Indexed
Account with a Trigger and hold the Segment until the maturity
date, the maximum amount of loss You could experience due to
negative Index performance is 100% of your
investment, including any prior earnings.
We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account
will always be available with a Guaranteed Minimum Cap of 2%.
In such case, if You invest in this Indexed Account with a
-10% Buffer and hold the Segment until the maturity date, You
could lose up to 90% of Your investment, including any prior
earnings, due to negative Index performance. There is no
guarantee the contract will offer any indexed accounts that limit
Index loss other than the S&P 500 1 year with -10% Buffer
Indexed Account. Without downside protection there is risk of loss of the entire amount invested. |
Principal Risks of
Investing in the
Contract
Segment Duration
and Crediting
Methods –
Crediting Methods | ||
8 RiverSource Structured Solutions 2
annuity — Summary Prospectus
| |
RISKS |
Location in
Statutory
Prospectus | ||
| Is this a
Short-Term
Investment? |
No.
•The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. •The Contract’s tax deferral and long-term income features are generally
more beneficial to investors who intend to hold the Contract for
a long period of time and then use the Contract Value to
supplement retirement income or for other long-term investment
purposes. •Surrenders from the Contract may result in Surrender Charges, taxes and/or tax penalties. The Segment Value Calculation may decrease the amount available for surrender from a Segment before the Segment Maturity Date.
•Amounts removed from a Segment before the end of the MVA Period may also result in a negative MVA. •Partial surrenders from the Segments (excluding Income Choice monthly
income) will reduce the Investment Base for the Segment based on
the percentage of Segment Value that is withdrawn. The reduction
to the Investment Base may be greater than the amount
withdrawn. •Reductions to the Investment Base will reduce your Segment Value for
the remainder of the Segment, including the amount available on
the Segment Maturity Date, which may result in loss of positive
index performance.
•Partial surrenders (including RMDs, the Total Surrender Charge Free Amount, Income Choice monthly income and Contingent Return earnings when using the optional automated transfer program) will proportionally
reduce any guaranteed death benefit based on the percentage of
Contract Value that is withdrawn. The reduction to the death benefit may
be greater than the value withdrawn. •At the end of each Segment, on the Contract Anniversary that coincides
with the Segment Maturity Date, all or a portion of your Contract
Value will be reallocated according to Your instructions. If no transfer
instructions are received and You have not elected automatic
rebalancing, any Contract Value in the Interim Account will remain in the
Interim Account for another Contract Year, subject to the new
declared rate of interest. Any Contract Value in a maturing
Segment (excluding amounts transferred under the optional
automated transfer program) will renew into a new Segment for the
same Indexed Account. If the Indexed Account is no longer
available, the Contract Value in the maturing Segment will be
automatically transferred to the Interim Account for the next
Contract Year. |
Principal Risks of
Investing in the
Contract
Transfers
Surrenders | ||
RiverSource Structured Solutions 2 annuity —
Summary Prospectus 9
| |
RISKS |
Location in
Statutory
Prospectus | ||
| What Are the
Risks Associated
with the
Investment
Options? |
An investment in the Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Contract (e.g., the
Indexes). Each investment option (including the Interim Account)
will have its own unique risks. You should review the available
investment options before making an investment decision. The Cap, Contingent Return, Annualized Income Rate, and/or Total Reduction Rates, as applicable, may limit positive Index returns (e.g.,
limited upside). This may result in You earning less than the Index rate of
return. For example: •Cap. If the Index rate of return is 15% and the Cap is 10%, the Segment rate of return will be 10% (the Index rate of return up to the Cap) on the
Segment Maturity Date. •Contingent Return. If the Index rate of return is 15% and the Contingent Return is 8%, the Segment rate of return will be 8% (the Contingent Return) on the Segment Maturity Date.
•Annualized Income Rate. If the Index rate of return is 15%, the
Annualized Income Rate is 6%, and the Investment Base is $25,000,
the Monthly Income will be $125.00 (0.06 x 25,000 / 12) during
the Segment, and the Segment rate of return will be 0% on the
Segment Maturity Date.
•Total Reduction Rate. If the Index rate of return is 15%, the Cap
is 12%, and the Total Reduction Rate is 2%, the Segment rate of
return will be 10% (the Index rate of return up to the Cap, minus
the Total Reduction Rate) on the Segment Maturity Date. The Buffer or Trigger percentage, as applicable, may limit negative Index
returns (e.g., limited protection in the case of market decline). For
example:
•Buffer. The Buffer percentage is the maximum decrease in the Index
Value before the Segment rate of return will reflect a loss. You
are responsible for all losses in excess of the Buffer. If the
Index rate of return is -15% and the Buffer percentage is -10%,
the Segment rate of return will be -5% (the amount of the
negative Index rate of return that exceeds the Buffer percentage)
on the Segment Maturity Date. For Indexed Accounts with an Annual
Fee (Reduction Rate), the Total Reduction Rate will reduce the
rate of return after the Buffer is applied. For example, if the
Index rate of return for a 3-year Segment is -15%, the Buffer is
-10%, and the Total Reduction Rate is 3%, the Segment rate of
return will be -8%.
•Trigger. The Trigger percentage is the maximum percentage decrease
in the Index rate of return before the Segment will incur a loss.
You are responsible for the full loss if the Index rate of return
is negative and the loss exceeds the Trigger. If the Index rate
of return is -35% and the Trigger percentage is -30%, the Segment
rate of return will be -35% (the full negative Index rate of
return) on the Segment Maturity Date.
Each Index is a “price return index,” not a “total
return” Index, and therefore does not reflect dividends
paid on the securities composing the Index. Additionally, the
iShares U.S. Real Estate ETF deducts underlying fund fees or
expenses when calculating performance. This will
reduce the Index return and cause the Index to underperform a
direct investment in the securities composing the
Index. |
Principal Risks of
Investing in the
Contract
Investment
Options
Segment Duration
and Crediting
Methods –
Crediting Methods | ||
10 RiverSource Structured Solutions 2
annuity — Summary Prospectus
| |
RISKS |
Location in
Statutory
Prospectus | ||
| What Are the
Risks Related to
the Insurance
Company? |
An investment in the Contract is subject to the risks related to RiverSource
Life Insurance Company. Any obligations (including under the
Interim Account and the Indexed Accounts), guarantees, or
benefits are subject to Our claims-paying ability. Information
about RiverSource Life Insurance Company, including our financial
strength ratings, is available upon request by contacting
1-800-862-7919. |
Principal Risks of
Investing in the
Contract
Other Information | ||
| |
RESTRICTIONS |
| ||
| Are There
Restrictions on
the Investment
Options? |
Yes.
•Transfers – Transfers to and from the Indexed Accounts may only be requested
each Contract Year during the 30 day transfer window that ends on the
Contract Anniversary coinciding with the Segment Maturity Date.
The transfer will be made on the Contract
Anniversary. – Elective transfers to the Interim Account may
not be made during the MVA Period. After the MVA Period or after
a spousal continuation, transfers to the Interim Account may only
be made once each Contract Year during the 30-day transfer window
that ends on the Contract Anniversary.
•If You elect Automatic Rebalancing, You may not be invested in multi-year
Indexed Accounts.
•If You elect the 3-year Surrender Charge schedule, You may not invest in
6-year Indexed Accounts during the entire time that You own the
Contract.
•We may add new Indexed Accounts or discontinue an Indexed Account. •We may substitute an Index during a Segment or on the Segment
Maturity Date.
•We may stop offering certain Crediting Methods. •We can change the interest rate for the Interim Account, and the Cap,
Contingent Return, Upside Participation Rate, Annualized Income
Rate, and Total Reduction Rates from one Segment to the next,
subject to the applicable guaranteed minimum rates (or guaranteed
maximum rates for the Total Reduction Rate).
•This is a single premium product, which means that additional purchase payments will not be accepted. |
Purchase –
Purchasing the
Contract
Indexed Accounts
Segment Duration
and Crediting
Methods –
Crediting Methods
Transfers | ||
| Are There Any
Restrictions on
Contract
Benefits? |
Yes.
•Optional death benefit riders may only be elected at Contract purchase. •Optional death benefit riders may only be voluntarily terminated by You if
We increase the annual rider fee. Once terminated, the optional
death benefit rider may not be reinstated.
•Except as provided otherwise under the Contract, Contract benefits may not be modified or terminated by Us. •All partial surrenders will proportionally reduce any guaranteed death
benefit based on the percentage of Contract Value that is
withdrawn. The reduction to the death benefit may be greater than
the amount withdrawn.
•If a Segment Value lock is exercised on a multi-year Segment, the Segment Maturity Date will be changed to the next Contract Anniversary if the original Segment Maturity Date was a later Contract Anniversary date. •Automatic Locks are not available for Annual Lock and Income Choice
Indexed Accounts. |
Valuing Your
Investment –
Segment Value
Calculation for
Indexed
Account(s) –
Segment Value
Lock
Surrenders
Death Benefits | ||
RiverSource Structured Solutions 2 annuity —
Summary Prospectus 11
| |
TAXES |
Location in
Statutory
Prospectus | ||
| What Are the
Contract’s Tax
Implications? |
You should consult with a tax professional to determine the tax
implications of an investment in and purchase payments received under
the Contract. There is no additional tax benefit if the Contract
is purchased through a tax-qualified plan or individual
retirement account (“IRA”). Surrenders will be
subject to ordinary income tax, and may be subject to tax
penalties. |
Taxes | ||
| |
CONFLICTS OF INTEREST
|
| ||
| How Are
Investment
Professionals
Compensated? |
Your investment professional may receive compensation for selling this
Contract to You, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This financial incentive may influence Your investment professional to recommend this Contract over another investment for which the investment professional is not compensated or compensated less. |
Other Information | ||
| Should I Exchange
My Contract? |
If You already own an annuity or insurance Contract, some investment
professionals may have a financial incentive to offer You a new Contract in
place of the one You already own. You should only exchange a Contract You
already own if You determine, after comparing the features, fees, and risks
of both Contracts, and any fees or penalties to terminate the existing
contract, that it is better for You to purchase the new Contract rather than
continue to own Your existing Contract. |
Taxes –
Non-Qualified
Annuities – 1035
Exchanges | ||
12 RiverSource Structured Solutions 2
annuity — Summary Prospectus
Appendix A: Investment Options Available Under the Contract
The following is a list of Indexed Accounts currently available under the Contract.
We may change the features of the Indexed Accounts listed below (including the Index and the current limits on Index gains and losses), offer new Indexed Accounts, and terminate existing Indexed Accounts. We will provide you with written notice before making any changes
other than changes to current limits on Index gains. Information about current limits on Index gains is available at riversource.com/structuredannuityrates.
Note: If amounts are removed from a Segment before the Segment
Maturity Date, the amount is determined based on the Segment Value Calculation. Additionally, if amounts are removed from a Segment before the end of the MVA
Period, We may apply an MVA. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you held the Segment until the maturity date or until the end of the MVA Period. See “Contract Fees, Charges, and Value Adjustments” and “Crediting Methods” for more information.
For Contracts with applications signed on or after May 4, 2026
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum Loss on Segment
Maturity
Date | ||
| Standard Indexed Accounts |
|||||||||
| iShares U.S. Real Estate ETF
1-year with -10% Buffer |
iShares
U.S. Real
Estate ETF |
ETF |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 1-year with -10%
Buffer |
MSCI EAFE |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -10%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -15%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -20%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -10%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -15%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -25%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
13
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| MSCI Emerging Markets 1-year
with -10% Buffer |
MSCI Emerging
Markets |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 1-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with -15%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with -20%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -15%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -25%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 1-year with -10%
Buffer |
Russell 2000 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with -10%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
14
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| Russell 2000 3-year with -15%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with -20%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with -10%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with -15%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with -25%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -25% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-25% |
Buffer |
2% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -100%
Buffer† |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-100% |
Buffer |
2% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
15
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| S&P 500 3-year with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with -100%
Buffer† |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-100% |
Buffer |
3% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -10% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -15% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -25% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -100%
Buffer† |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-100% |
Buffer |
4% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year with -10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year with -15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
16
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year with -20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year with -25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-25% |
Buffer |
2% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year with -100% Buffer† |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-100% |
Buffer |
2% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year with -10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year with -15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year with -20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year with -100% Buffer† |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-100% |
Buffer |
3% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year with -10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year with -15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year with -25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
17
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year with -100% Buffer† |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-100% |
Buffer |
4% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Standard with Annual Fee (Reduction Rate) Indexed
Accounts | |||||||||
| Nasdaq 100 1-year with Annual
Fee and -10% Buffer |
Nasdaq 100 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with Annual
Fee and -10% Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with Annual
Fee and -15% Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with Annual
Fee and -20% Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee and -10% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee and -15% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee and -25% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 1-year with Annual
Fee and -10% Buffer |
Russell 2000 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with Annual
Fee and -10% Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total Reduction Rate | ||||||||
18
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard with Annual Fee (Reduction Rate) Indexed
Accounts-continued | |||||||||
| Russell 2000 3-year with Annual
Fee and -15% Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with Annual
Fee and -20% Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -10% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -15% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -25% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with Annual Fee
and -10% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with Annual Fee
and -15% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with Annual Fee
and -20% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with Annual Fee
and -25% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-25% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with Annual Fee
and -10% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total Reduction Rate | ||||||||
19
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard with Annual Fee (Reduction Rate) Indexed
Accounts-continued | |||||||||
| S&P 500 3-year with Annual Fee
and -15% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with Annual Fee
and -20% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
and -10% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
and -15% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
and -25% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Dual Directional Indexed Accounts | |||||||||
| S&P 500 1-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year Dual Directional
with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
20
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Dual Directional Indexed
Accounts-continued | |||||||||
| S&P 500 3-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with -25% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with -25% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
21
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Dual Directional Indexed
Accounts-continued | |||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Dual Directional with Annual Fee (Reduction Rate)
Indexed Accounts | |||||||||
| S&P 500 1-year Dual Directional
with Annual Fee and -10% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year Dual Directional
with Annual Fee and -15% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total Reduction Rate | ||||||||
22
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Dual Directional with Annual Fee (Reduction Rate)
Indexed Accounts-continued | |||||||||
| S&P 500 1-year Dual Directional
with Annual Fee and -20% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with Annual Fee and -10% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with Annual Fee and -15% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with Annual Fee and -20% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year Dual Directional
with Annual Fee and -25% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with Annual Fee and -10% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with Annual Fee and -15% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year Dual Directional
with Annual Fee and -25% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Contingent Return Indexed Accounts
| |||||||||
| S&P 500 1-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Contingent
Return |
90% |
| S&P 500 1-year Contingent Return with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Contingent
Return |
85% |
23
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Contingent Return Indexed
Accounts-continued | |||||||||
| S&P 500 1-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Contingent
Return |
80% |
| S&P 500 2-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum
Contingent
Return |
90% |
| S&P 500 2-year Contingent
Return with -15% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum
Contingent
Return |
85% |
| S&P 500 2-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum
Contingent
Return |
80% |
| S&P 500 3-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
3% |
Minimum
Contingent
Return |
90% |
| S&P 500 3-year Contingent
Return with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
3% |
Minimum
Contingent
Return |
85% |
| S&P 500 3-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
3% |
Minimum
Contingent
Return |
80% |
| S&P 500 6-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum
Contingent
Return |
90% |
| S&P 500 6-year Contingent
Return with -15% Buffer |
S&P 500 |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum
Contingent
Return |
85% |
| S&P 500 6-year Contingent
Return with -25% Buffer |
S&P 500 |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum
Contingent
Return |
75% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Contingent
Return |
80% |
| S&P 500/Russell 2000 (Lesser
of) 2-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 2-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser of) 2-year Contingent Return with -20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum
Contingent
Return |
80% |
24
For
Contracts with applications signed on or after May 4, 2026
(continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Contingent Return Indexed
Accounts-continued | |||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
3% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
3% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
3% |
Minimum
Contingent
Return |
80% |
| S&P 500/Russell 2000 (Lesser
of) 6-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 6-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 6-year Contingent Return with
-25% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
6 years |
Contingent
Return
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum
Contingent
Return |
75% |
| Income Choice Indexed Accounts | |||||||||
| S&P 500 1-year Income Choice
with -10% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
90% |
| S&P 500 1-year Income Choice
with -20% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
80% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Income Choice with
-10% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
90% |
| S&P 500/Russell 2000 (Lesser of) 1-year Income Choice with -20% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice Point-to-Point with a
Buffer |
-20% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
80% |
*
Each of the Indexes is a “price return index,” not a “total return” Index, and therefore does not reflect dividends paid on the securities composing Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying fund fees or expenses when calculating performance. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.
†
Not available for Contracts issued in Oregon
§
Not available
for Contracts issued in Missouri
25
For
Contracts with applications signed prior to May 4, 2026
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum Loss on Segment
Maturity
Date | ||
| Standard Indexed Accounts |
|||||||||
| iShares U.S. Real Estate ETF
1-year with -10% Buffer |
iShares
U.S. Real
Estate ETF |
ETF |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 1-year with -10%
Buffer |
MSCI EAFE |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -10%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -15%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 3-year with -20%
Buffer |
MSCI EAFE |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -10%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -15%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI EAFE 6-year with -25%
Buffer |
MSCI EAFE |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| MSCI Emerging Markets 1-year
with -10% Buffer |
MSCI Emerging
Markets |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 1-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
26
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| Nasdaq 100 3-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with -15%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 3-year with -20%
Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap
Rate |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -10%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -15%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with -25%
Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 1-year with -10%
Buffer |
Russell 2000 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with -10%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with -15%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with -20%
Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
27
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| Russell 2000 6-year with -10%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with -15%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with -25%
Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -25% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-25% |
Buffer |
2% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with -100%
Buffer† |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-100% |
Buffer |
2% |
Minimum Cap |
0% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total Reduction Rate | ||||||||
28
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Standard Indexed Accounts-continued
| |||||||||
| S&P 500 3-year with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -10% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -15% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with -25% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| 0% |
Maximum Total
Reduction Rate | ||||||||
| Dual Directional Indexed Accounts | |||||||||
| S&P 500 1-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 1-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 1-year Dual Directional
with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 3-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 3-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 3-year Dual Directional
with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 3-year Dual Directional
with -25% Buffer |
S&P 500 |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 6-year Dual Directional
with -10% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 6-year Dual Directional
with -15% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500 6-year Dual Directional
with -25% Buffer |
S&P 500 |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside Participation | ||||||||
29
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Dual Directional Indexed
Accounts-continued | |||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 1-year Dual Directional with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
6% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-20% |
Buffer |
6% |
Minimum Cap |
80% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 3-year Dual Directional with
-25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
3 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
6% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
90% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
85% |
| 100% |
Minimum Upside
Participation | ||||||||
| S&P 500/Russell 2000 (Lesser
of) 6-year Dual Directional with
-25% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
6 years |
Dual Directional
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
75% |
| 100% |
Minimum Upside
Participation | ||||||||
| Annual Lock Indexed Accounts | |||||||||
| S&P 500 3-year Annual Lock with
-10% Buffer |
S&P 500 |
Market Index |
3 years |
Annual Lock with
a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
99.9% |
| S&P 500 6-year Annual Lock with
-10% Buffer |
S&P 500 |
Market Index |
6 years |
Annual Lock with
a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
100% |
| Contingent Return Indexed Accounts
| |||||||||
| S&P 500 1-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Contingent
Return |
90% |
| S&P 500 1-year Contingent
Return with -15% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Contingent
Return |
85% |
| S&P 500 1-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Contingent
Return |
80% |
| S&P 500 2-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum
Contingent
Return |
90% |
| S&P 500 2-year Contingent Return with -15% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum
Contingent
Return |
85% |
30
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Contingent Return Indexed
Accounts-continued | |||||||||
| S&P 500 2-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum
Contingent
Return |
80% |
| S&P 500 3-year Contingent
Return with -10% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
3% |
Minimum
Contingent
Return |
90% |
| S&P 500 3-year Contingent
Return with -15% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
3% |
Minimum
Contingent
Return |
85% |
| S&P 500 3-year Contingent
Return with -20% Buffer |
S&P 500 |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
3% |
Minimum
Contingent
Return |
80% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Contingent
Return |
80% |
| S&P 500/Russell 2000 (Lesser
of) 2-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 2-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
2% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 2-year Contingent Return with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
2 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
2% |
Minimum
Contingent
Return |
80% |
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-10% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-10% |
Buffer |
3% |
Minimum
Contingent
Return |
90% |
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-15% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-15% |
Buffer |
3% |
Minimum
Contingent
Return |
85% |
| S&P 500/Russell 2000 (Lesser
of) 3-year Contingent Return with
-20% Buffer |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
3 years |
Contingent
Return
Point-to-Point
with a Buffer |
-20% |
Buffer |
3% |
Minimum
Contingent
Return |
80% |
| S&P 500 1-year Contingent
Return with -30% Trigger§ |
S&P 500 |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Trigger |
-30% |
Trigger |
1% |
Minimum
Contingent
Return |
100% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Contingent Return with
-30% Trigger§ |
S&P 500/
Russell 2000
(Lesser of) |
Market Index |
1 year |
Contingent
Return
Point-to-Point
with a Trigger |
-30% |
Trigger |
1% |
Minimum
Contingent
Return |
100% |
| Income Choice Indexed Accounts | |||||||||
| S&P 500 1-year Income Choice with -10% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice Point-to-Point with a
Buffer |
-10% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
90% |
31
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Income Choice Indexed Accounts-continued
| |||||||||
| S&P 500 1-year Income Choice
with -15% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
85% |
| S&P 500 1-year Income Choice
with -20% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
80% |
| S&P 500 1-year Income Choice
with -25% Buffer§ |
S&P 500 |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-25% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
75% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Income Choice with
-10% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-10% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
90% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Income Choice with
-15% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-15% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
85% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Income Choice with
-20% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-20% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
80% |
| S&P 500/Russell 2000 (Lesser
of) 1-year Income Choice with
-25% Buffer§ |
S&P 500/
Russell 2000
(Lesser
of) |
Market Index |
1 year |
Income Choice
Point-to-Point
with a Buffer |
-25% |
Buffer |
1% |
Minimum
Annualized
Income Rate |
75% |
| Annual Fee (Reduction Rate) Indexed
Accounts | |||||||||
| Nasdaq 100 6-year with Annual
Fee and -10% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee and -15% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee and -25% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -10% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -15% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee and -25% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total Reduction Rate | ||||||||
32
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Annual Fee (Reduction Rate) Indexed
Accounts-continued | |||||||||
| S&P 500 6-year with Annual Fee
and -10% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
and -15% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
and -25% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Annual Fee (Reduction Rate) Plus Indexed
Accounts | |||||||||
| Nasdaq 100 3-year with Annual
Fee Plus and -15% Buffer |
Nasdaq 100 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee Plus and -10% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee Plus and -15% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Nasdaq 100 6-year with Annual
Fee Plus and -25% Buffer |
Nasdaq 100 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 3-year with Annual
Fee Plus and -15% Buffer |
Russell 2000 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee Plus and -10% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| Russell 2000 6-year with Annual
Fee Plus and -15% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total Reduction Rate | ||||||||
33
For
Contracts with applications signed prior to May 4, 2026 (continued)
| |
Index* |
Type of
Index |
Segment
Duration |
Crediting
Method |
Protection
Limit on
Index Loss (if
held until
Segment
maturity) |
Minimum Limit on
Index Gain (for the
life of the Indexed
Account) |
Maximum
Loss on
Segment
Maturity
Date | ||
| Annual Fee (Reduction Rate) Plus Indexed
Accounts-continued | |||||||||
| Russell 2000 6-year with Annual
Fee Plus and -25% Buffer |
Russell 2000 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 1-year with Annual Fee
Plus and -10% Buffer |
S&P 500 |
Market Index |
1 year |
Point-to-Point
with a Buffer |
-10% |
Buffer |
2% |
Minimum Cap |
95% |
| 100% |
Minimum Upside
Participation | ||||||||
| 5% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 3-year with Annual Fee
Plus and -15% Buffer |
S&P 500 |
Market Index |
3 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
6% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 15% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
Plus and -10% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-10% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
Plus and -15% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-15% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total
Reduction Rate | ||||||||
| S&P 500 6-year with Annual Fee
Plus and -25% Buffer |
S&P 500 |
Market Index |
6 years |
Point-to-Point
with a Buffer |
-25% |
Buffer |
8% |
Minimum Cap |
100% |
| 100% |
Minimum Upside
Participation | ||||||||
| 30% |
Maximum Total Reduction Rate | ||||||||
*
Each of the Indexes is a “price return index,” not a “total return” Index, and therefore does not reflect dividends paid on the securities composing Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying fund fees or expenses when calculating performance. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.
†
Not available for Contracts issued in Oregon
§
Not available
for Contracts issued in Missouri
We will not offer Indexed Accounts with Caps, Contingent Returns, or Annualized Income Rates below 0.25%; Upside
Participation Rates below 100%; or Total Reduction Rates above 30%.
We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account will always be available with a Guaranteed Minimum Cap of 2%. In such case, if You invest in this Indexed Account with a -10% Buffer and hold the Segment until the maturity date, You could lose up to 90% of Your investment, including any prior earnings, due to negative Index performance. There is no guarantee the Contract will offer any indexed accounts that limit Index loss other than the S&P 500 1 year with -10% Buffer Indexed Account. Without downside protection there is risk of loss of the entire amount invested. See “Investment Options – Discontinuation and Substitution of
Indexes and Indexed Accounts” for more information.
34
The following is a list of
Fixed Option(s) currently available under the Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with
written notice before doing so. See “Investment Options – Interim Account” for more information.
Note: If amounts are withdrawn from a Fixed Option before the end of
its term, we will not apply a contract adjustment.
| Name |
Contract Issue Year: |
Minimum
Guaranteed
Interest Rate |
| Interim Account |
2026 |
2.40% |
| 2025 |
2.65% | |
| 2024 |
3.00% |
35
The prospectus and Statement of Additional
Information (SAI) include additional information about the Contract. The prospectus and SAI, dated the same date as this summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy of the prospectus, SAI, or for more information about the Contract, call us at 1-800-862-7919, visit our website at
riversource.com/annuities or write to us at: 70100 Ameriprise Financial Center Minneapolis, MN 55474.
RiverSource Life
Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
USP9119_12_E01_(05/26)
Reports and other
information about RiverSource Life Insurance Company are available on the SEC’s website at http://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].
EDGAR Contract Identifier: C000258502
©2008-2026 RiverSource Life Insurance
Company. All rights reserved.
Serious News for Serious Traders! Try StreetInsider.com Premium Free!
You May Also Be Interested In
- DocGo to Announce Second Quarter 2026 Results on Monday, August 17, 2026
- GMG Announces Updated Battery Brand
- UNITED STATES CONSORTIUM CONFIRMS FULLY-FUNDED RECAPITALIZATION PROPOSAL FOR SHERRITT INTERNATIONAL AT C$0.12 PER SHARE -- WITH PARTICIPATION RIGHTS FOR ELIGIBLE EXISTING SHAREHOLDERS
Create E-mail Alert Related Categories
SEC FilingsSign up for StreetInsider Free!
Receive full access to all new and archived articles, unlimited portfolio tracking, e-mail alerts, custom newswires and RSS feeds - and more!
