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.

Power Index Advisory doesn't impose additional fees or charges on the base contract, unlike many annuities. However, it's important to note:

• Optional riders, if chosen, come with additional costs.
• A Market Value Adjustment (MVA) may apply to withdrawals in the first 5-7 years.
   

Also, if you choose to add optional living benefit riders, there will be additional fees associated with those features. Always carefully consider the cost versus benefit of any added riders before making your decision
 

Power Index Advisory offers a range of index options, including:

Each index-linked account has its own participation rate or cap rate, determining how much of the index's gains you can earn. For example, the 1-Year S&P 500 Point-to-Point option currently offers a 50% participation rate. The 1-Year MSCI EAFE Point-to-Point option has an 11.25% cap rate.

When evaluating the Power Index Advisory performance, it's crucial to understand that past performance doesn't guarantee future results. The actual returns will depend on the performance of the chosen indices and the prevailing rates at the time of purchase and renewal.
 

Unlike many annuities, the Power Index Advisory surrender schedule is non-existent, meaning that you can withdraw funds without charges. However:

• An MVA may apply to withdrawals in the first 5 years (if no guaranteed living benefit rider is elected).
• The MVA period is 7 years if a guaranteed living benefit rider is chosen.
   

This feature provides greater liquidity than many traditional annuities.