The hypothetical historical performance provided herein showcases the annualized return of allocation strategies, representing the investment's annual growth rate considering compounding effects. Similar analyses can be found for each account in official fixed index annuity illustrations provided by insurance carriers.

What's not reflected:
The annualized return does not encompass rider charges, strategy fees, or applicable premium bonuses.

Notes on rates:
The information presented assumes the annuities' current caps, spreads, participation rates, and other related rates, without guarantee.

No guarantees:
These actual elements are subject to change over time, resulting in potentially higher or lower outcomes. Additionally, no single index consistently outperforms in every scenario. It is advisable to consult with a properly licensed and educated annuity professional before making any decisions.

The good news is that the Power 7 Protector has no additional fees associated with the contract, as no optional GLWB Rider (guaranteed lifetime withdrawal benefit) is available for purchase.

The Power 7 Protector allows clients to combine several indexes with a crediting method. Available index options are:

A crediting method is determined by formulas detailing how much interest the annuity gets during the crediting period. Index changes are taken into account. Power 7 Protector recipients can choose among the following crediting methods:

• Portfolio method
• Tiered interest rate method type one
• Tiered interest rate method type two
• Monthly sum
• Annual point-to-point with cap
• Participation rate 

It has a Power 7 Protector surrender schedule that applies if you withdraw more than the penalty-free amount during the surrender period.

Here's the Power 7 Protector surrender schedule

Here's an overview of the key features of the Power 7 Protector annuity, such as its market value adjustment (MVA) and penalty-free withdrawals.

• A market value adjustment is an additional fee or credit an annuity provider charges for taking money out early from an annuity.
• MVA changes depending on the Power 7 Protector performance of the chosen index.
• MVA charges only apply to clients who want to withdraw funds early; these fees won't be charged if you own your contract to its maturity date.

• Penalty-free withdrawals refer to the amount that can be withdrawn from the annuity each contract year without incurring any company-imposed charges.
• Beginning in the second contract year, Power 7 Protector provides up to 10% (noncumulative) of the contract value as the penalty-free withdrawal amount that may be withdrawn from the annuity each year.

• The death benefit is the amount that will be paid to the beneficiary upon the annuity owner's death.
• Power 7 Protector waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the total accumulation value.

Please note that the issuing insurance company's claims-paying ability backs all annuity contract guarantees. Before making a decision, it's important to understand all the terms and conditions and Power 7 Protector risks of the annuity contract.