04/27/2026 | Press release | Distributed by Public on 04/27/2026 09:47
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DEFINITIONS
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1
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UPDATED INFORMATION ABOUT YOUR CONTRACT
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3
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IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
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4
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APPENDIX A (INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT)
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A-1
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BACK COVER PAGE
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B-1
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| FEES, EXPENSES, AND ADJUSTMENTS | Location in Prospectus | ||||||||||||||||
| Are There Charges or Adjustments for Early Withdrawals? |
Yes. If all or a portion of Contract Value is removed from an Index Account Option before the end of the Index Account Option Term or you exercise an Intra-Term Performance Lock, we will apply an Interim Value adjustment, which may be negative. The Interim Value adjustment applies upon partial or total withdrawals from the Contract, automatic withdrawals, RMDs, direct deduction of advisory fees pursuant to our administrative rules, amounts applied to an income option upon annuitization, and payment of the Contract Value element of the death benefit. You could lose up to 100% of your investment due to this Interim Value adjustment. For example, if you allocate $100,000 to a 3-year Index Account Option and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment.
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Charges and Adjustments
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| Are There Transaction Charges? |
Yes. In addition to any negative Interim Value adjustment, you may be charged for other transactions, such as when you request expedited delivery or wire transfer of funds
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Charges and Adjustments- Transaction Expenses
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| Are There Ongoing Fees and Expenses? |
Yes. There is an implicit ongoing fee on Index Account Options to the extent that your participation in Index gains is limited by Jackson through the use of a Cap or Performance Trigger Rate. This means that your returns may be lower than your elected Index's returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.
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Contract Options - Index Account
Additional Information About the Index Account Options - Crediting Methods
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| RISKS |
Location in Prospectus
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| Is There a Risk of Loss from Poor Performance? |
Yes. You can lose money by investing in this Contract. The Contract currently offers and 10% and 20% Buffer Protection Options, which, depending on which option you select, could expose you to up to a 90% loss due to poor Index performance. Protection Option rates could change in the future. Available Buffer Protection Options will always be at least 10%.
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Principal Risks
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Is this a Short-Term Investment? |
No. This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash
Amounts removed from an Index Account Option before the end of the Index Account Option Term may also result in a negative Interim Value adjustment and loss of positive Index performance. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long time horizon.
Because Index Account Options are designed to mature at the end of the Index Account Option Term, we need to know by the end of the Index Account Option Term whether you intend to reallocate to a different Contract Option. If you do not provide timely allocation instructions by close of business on the Index Account Option Term Anniversary of an expiring Index Account Option Term as to how you would like your Index Account Option Value allocated for your next Index Account Option Term, we will generally (i) renew the Index Account Option into the same Index Account Option Term, if available; or (ii) if the same Crediting Method, Protection Option, or Index you elected is not available, we will reallocate the Index Account Option Value(s) to the Fixed Account. The rates applicable to your new Index Account Option or Fixed Account Option will be the then-current renewal rates associated with your Contract.
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Principal Risks
Contract Charges
Transfers and Reallocations
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| What Are the Risks Associated with the Investment Options? |
An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Contract Options you choose. Each Contract Option (Index Account Options and Fixed Account Options) has its own unique risks. Withdrawals from an Index Account Option prior to the end of the Index Account Option Term are subject to an Interim Value adjustment. You should review the available Contract Options before making an investment decision
The Cap Rate and Performance Trigger Rate, as applicable, will limit positive Index returns (e.g., limited upside). This may result in you earning less than the Index return. For example, assume the Index return is 15% at the end of the Index Account Option Term
◦Under a Cap Crediting Method with a 10% Cap Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term; and
◦Under a Performance Trigger Crediting Method with a 10% Performance Trigger Rate, we will credit a 10% Index Adjustment at the end of the Index Account Option Term.
The Buffer will limit negative Index returns (e.g., limited protection in the case of market decline). For example, assume an Index return of -25% at the end of the Index Account Option Term
◦If the Buffer is -10%, we will credit a -15% Index Adjustment at the end of the Index Account Option Term.
The Indexes available for election are price return indexes and not total return indexes, and therefore do not reflect dividends paid on the securities composing the Index. This will reduce the Index return and will cause the Index to underperform a direct investment in the securities composing the Index.
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Principal Risks
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| What Are the Risks Related to the Insurance Company? |
An investment in the Contract is subject to the risks related to Jackson. Any obligations (including under any Fixed Account Options and Index Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at www.jackson.com or by calling 1-800-599-5651.
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Principal Risks
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| RESTRICTIONS |
Location in Prospectus
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| Are There Restrictions on the Investment Options? |
Yes.
Premium Payments.
•No Premium payments will be accepted after the Contract has been issued.
•The minimum Premium payment must be at least $25,000.
•The maximum Premium payment you may make without our prior approval is $1 million.
Transfers and Reallocations.
•Transfers and reallocations from the Index Account Options are only permitted on Index Account Option Term Anniversaries (which will fall on a Contract Anniversary), unless you exercise an Intra-Term Performance Lock.
•Transfers from the Fixed Account are only permitted on Contract Anniversaries.
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Principal Risks
Transfers and Reallocations
Additional Information About the Index Account Options
Access to Your Money
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| Are There Restrictions on the Investment Options? (continued from previous page) |
•If you do not want to remain invested in the Fixed Account Option until the next Contract Anniversary, or in an Index Account Option until the end of the Index Account Option Term, your only options will be to take a total or partial withdrawal from the Fixed Account Option or Index Account Option, or exercise an Intra-Term Performance Lock from the Index Account Option. Intra-Term Performance Locks and withdrawals out of Index Account Options prior to the end of the Index Account Option Term will be based on the Interim Values of the Index Account Options, and all withdrawals may be subject to taxes, and tax penalties.
Our Rights to Change Index Account Options and Indexes Offered Under the Contract.
•We reserve the right to delete or add Index Account Options, Indexes, Crediting Methods, Protection Options, and Index Account Option Terms in the future. There will always be more than one Index Account Option available, and those options will always be identical or similar to one of the options disclosed in this prospectus.
•We may replace an Index if it is discontinued or the Index is no longer available to us or if the Index's calculation changes substantially. Additionally, we may replace an Index if hedging instruments become difficult to acquire or the cost of hedging related to such Index becomes excessive. We may do so at the end of an Index Account Option Term or during an Index Account Option Term.
•We may change the Crediting Method Rates and Protection Option rates of the Index Account Options available under the Contract, subject to the stated guaranteed minimum or maximum rates. Crediting Method and Protection Option rates will not change during an Index Account Option Term
•There is no guarantee that a particular Index Account Option will be available during the entire time that you own your Contract. We guarantee that at least two Index Account Options will always be available, and that those options will be identical or similar to those outlined in this prospectus
•If in the future you are not satisfied with the available Index Account Options, you may choose to withdraw your Index Account Option Value or take a total withdrawal from the Contract, but you may be subject to Market Value Adjustments, taxes, and tax penalties, and an Interim Value adjustment if the withdrawal is made before the end of an Index Account Option Term.
▪Certain Index Account Options and Indexes may not be available through your financial professional or in your state.You may obtain information about the Index Account Options and Indexes that are available to you by contacting your financial professional.
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| Are There any Restrictions on Contract Benefits? |
Yes.
Intra-Term Performance Lock.
•Intra-Term Performance Locks will be based upon Interim Value calculated at the end of the Business Day after we receive your request. This means you will not be able to determine in advance your "locked in" Index Account Option Value, and it may be higher or lower than it was on the Business Day we received your Intra-Term Performance Lock request.
•An Intra-Term Performance Lock ends the Index Account Option Term for the Index Account Option out of which it is transferred, effectively terminating that Index Account Option. Once an Intra-Term Performance Lock has been processed, it is irrevocable.
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Benefits Available Under the Contracts
Transfers and Reallocations - Intra-Term Performance Lock
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| TAXES |
Location in Prospectus
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| What Are the Contract's Tax Implications? |
•Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.
•If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax benefit.
•Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.
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Taxes
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| CONFLICTS OF INTEREST |
Location in Prospectus
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How Are Investment
Professionals
Compensated?
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Your financial professional may receive compensation for selling this Contract to you in the form of advisory fees, revenue sharing, and other compensation programs. Accordingly, investment professionals may have a financial incentive to offer or recommend this Contract over another investment.
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Distribution of Contracts
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Should I Exchange My Contract?
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Some financial professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract 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 preferable to purchase the new contract rather than continue to own your existing Contract.
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Non-Qualified Contracts - 1035 Exchanges
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Index
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Type of Index
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Term
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Current Limit on Index Loss (if held until the end of the Index Account Option Term) |
Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)
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S&P 5001
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Market Index
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1 year | 10% Buffer |
5.0% Cap Rate, 100% Index Participation Rate
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S&P 5001
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Market Index
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1 year | 20% Buffer |
4.0% Cap Rate, 100% Index Participation Rate
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S&P 5001
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Market Index
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1 year | 10% Buffer |
5.0% Performance Trigger Rate
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S&P 5001
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Market Index
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3 years | 10% Buffer |
15.0% Cap Rate, 100% Index Participation Rate
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S&P 5001
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Market Index
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3 years | 20% Buffer |
12.0% Cap Rate, 100% Index Participation Rate
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S&P 5001
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Market Index
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6 years | 10% Buffer |
30.0% Cap Rate, 100% Index Participation Rate
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S&P 5001
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Market Index
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6 years | 20% Buffer |
24.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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1 year | 10% Buffer |
5.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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1 year | 20% Buffer |
4.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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1 year | 10% Buffer |
5.0% Performance Trigger Rate
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Russell 20001
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Market Index
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3 years | 10% Buffer |
15.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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3 years | 20% Buffer |
12.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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6 years | 10% Buffer |
30.0% Cap Rate, 100% Index Participation Rate
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Russell 20001
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Market Index
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6 years | 20% Buffer |
24.0% Cap Rate, 100% Index Participation Rate
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MSCI EAFE1
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Market Index
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1 year | 10% Buffer |
5.0% Cap Rate, 100% Index Participation Rate
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Index
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Type of Index
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Term
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Current Limit on Index Loss (if held until the end of the Index Account Option Term) |
Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)
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MSCI EAFE1
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Market Index
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1 year | 20% Buffer |
4.0% Cap Rate, 100% Index Participation Rate
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MSCI EAFE1
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Market Index
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1 year | 10% Buffer |
5.0% Performance Trigger Rate
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MSCI EAFE1
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Market Index
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3 years | 10% Buffer |
15.0% Cap Rate, 100% Index Participation Rate
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MSCI EAFE1
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Market Index
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3 years | 20% Buffer |
12.0% Cap Rate, 100% Index Participation Rate
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MSCI EAFE1
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Market Index
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6 years | 10% Buffer |
30.0% Cap Rate, 100% Index Participation Rate
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MSCI EAFE1
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Market Index
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6 years | 20% Buffer |
24.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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1 year | 10% Buffer |
5.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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1 year | 20% Buffer |
4.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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1 year | 10% Buffer |
5.0% Performance Trigger Rate
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MSCI Emerging Markets1
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Market Index
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3 years | 10% Buffer |
15.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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3 years | 20% Buffer |
12.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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6 years | 10% Buffer |
30.0% Cap Rate, 100% Index Participation Rate
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MSCI Emerging Markets1
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Market Index
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6 years | 20% Buffer |
24.0% Cap Rate, 100% Index Participation Rate
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MSCI KLD 400 Social1
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Market Index
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1 year | 10% Buffer |
5.0% Cap Rate, 100% Index Participation Rate
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MSCI KLD 400 Social1
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Market Index
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1 year | 20% Buffer |
4.0% Cap Rate, 100% Index Participation Rate
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MSCI KLD 400 Social1
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Market Index
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1 year | 10% Buffer |
5.0% Performance Trigger Rate
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MSCI KLD 400 Social1
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Market Index
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3 years | 10% Buffer |
15.0% Cap Rate, 100% Index Participation Rate
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MSCI KLD 400 Social1
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Market Index
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3 years | 20% Buffer |
12.% Cap Rate, 100% Index Participation Rate
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Index
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Type of Index
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Term
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Current Limit on Index Loss (if held until the end of the Index Account Option Term) |
Guaranteed Minimum Crediting Method Rate (for the life of the Index Account Option)
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MSCI KLD 400 Social1
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Market Index
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6 years | 10% Buffer |
30.0% Cap Rate, 100% Index Participation Rate
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MSCI KLD 400 Social1
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Market Index
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6 years | 20% Buffer |
24.0% Cap Rate, 100% Index Participation Rate
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Name
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Term
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Minimum Guaranteed Interest Rate
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Fixed Account Option
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1-year
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2.40% | ||||||
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Short Duration Fixed Account Option
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Until the next Contract Anniversary following exercise of Intra-Term Performance Lock or spousal continuation
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2.40% | ||||||