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How Interest is Credited – Indexed Strategies

Annual Point-to-Point with Cap (Continued)

Some simple examples:

Positive Index Change

If the index change for the term equals 8% and the Cap for the term equals 5%, then the interest rate credited for the term will be 5%. In this scenario, the value of the Indexed Account will increase 5% on the Contract Anniversary Date. For example, an Indexed Account with $10,000 will receive $500 in credited interest.

If the index change for the term equals 4% and the Cap for the term equals 5%, then the interest rate credited for the term will be 4%. In this scenario, the value of the Indexed Account will increase by 4% on the Contract Anniversary Date. For example, an Indexed Account with $10,000 will receive $400 in credited interest.

Negative Index Change

If the index change for the term is -8%, then the interest credited into the Indexed Account will be 0%.

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