On The Move – April 15, 2025

April 15, 2025 – Effective Date of Change

Integrity Life Insurance Company (Legacy)

Fixed Indexed Annuity

JourneyMark 10,000+

• Fixed:  Rate: 3.9%
• 1-Year S&P 500 Point-to-Point:  Part Rate 37%
• 1-Year GS Pathfinder Point-to-Point:  Part Rate 72%
• 2-Year GS Pathfinder Point-to-Point:  Part Rate 110%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 157%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 225%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 197%

JourneyMark 5 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 39%
• 1-Year GS Mariner Point-to-Point:  Part Rate 152%
• 2-Year GS Mariner Point-to-Point:  Part Rate 197%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210%
• Fixed:  Rate: 4.2%

JourneyMark 7 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 39%
• 1-Year GS Mariner Point-to-Point:  Part Rate 152%
• 2-Year GS Mariner Point-to-Point:  Part Rate 197%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210%
• Fixed:  Rate: 4.2%

JourneyMark 7 w/ Cascade Rider 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 39%
• 1-Year GS Mariner Point-to-Point:  Part Rate 152%
• 2-Year GS Mariner Point-to-Point:  Part Rate 197%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 167%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 242%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 210%
• Fixed:  Rate: 4.2%

JourneyMark 7 w/ Expanse Rider 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 47%
• 1-Year GS Mariner Point-to-Point:  Part Rate 182%
• 2-Year GS Mariner Point-to-Point:  Part Rate 235%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 200%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 287%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 247%
• Fixed:  Rate: 5%

JourneyMark w/ Cascade Rider 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 37%
• 1-Year GS Pathfinder Point-to-Point:  Part Rate 72%
• 2-Year GS Pathfinder Point-to-Point:  Part Rate 110%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 157%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 225%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 197%
• Fixed:  Rate: 3.9%

JourneyMark w/ Expanse Rider 10,000+

• 1-Year S&P 500 Point-to-Point:  Part Rate 44%
• 1-Year GS Pathfinder Point-to-Point:  Part Rate 86%
• 2-Year GS Pathfinder Point-to-Point:  Part Rate 132%
• 1-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 187%
• 2-Year Citi Flexi-Beta ER Point-to-Point:  Part Rate 270%
• 5-Year Citi Flexi-Beta ER High Water Mark:  Part Rate 235%
• Fixed:  Rate: 4.7%

Oceanview Life and Annuity

Harbourview FIA 10 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8% 
• 1 Year Fixed Rate Account:  Rate: 7%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5% 

Harbourview FIA 10 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Rate Account:  Rate: 7%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%

Harbourview FIA 3 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 60%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 3.75%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.75% 

Harbourview FIA 3 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.75% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 3.75%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 5 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 1 Year Fixed Account:  Rate: 3.75%

Harbourview FIA 5 CA 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 3.75%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 7 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 1 Year Fixed Account:  Rate: 6%

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 6%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 8.5% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%

April 16, 2025 – Effective Date of Change

Fidelity & Guaranty Life

MYGA

• FG Guarantee-Platinum 3 20,000+  4.90%
• FG Guarantee-Platinum 5 20,000+  5.20%
• FG Guarantee-Platinum 7 20,000+  5.20%

April 17, 2025 – Effective Date of Change

Delaware Life

MYGA

• Apex MYGA 3 10,000+  4.65%
• Apex MYGA 3 100,000+  4.95%
• Apex MYGA 5 10,000+  5.00%
• Apex MYGA 5 100,000+  5.30%
• Apex MYGA 7 10,000+  5.05%
• Apex MYGA 7 100,000+  5.30%
• Pinnacle Plus MYGA 10 25,000+  4.95%
• Pinnacle Plus MYGA 10 100,000+  5.20%
• Pinnacle Plus MYGA 3 25,000+  4.60%
• Pinnacle Plus MYGA 3 100,000+  4.90%
• Pinnacle Plus MYGA 5 25,000+  4.95%
• Pinnacle Plus MYGA 5 100,000+  5.25%
• Pinnacle Plus MYGA 7 25,000+  5.00%
• Pinnacle Plus MYGA 7 100,000+  5.25%

Ibexis

Fixed Indexed Annuity

FIA Plus 10 25,000+

• 1 Year Fixed Account:  Rate: 4%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.75%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 19.25%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.5%  Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107%
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15% 
• :  Rate: 4.05%

FIA Plus 10 100,000+

• :  Rate: 4.25%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114%
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.25%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.75%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11%  Floor -2.5% 
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
• 1 Year Fixed Account:  Rate: 4.05%

FIA Plus 10 Premium Bonus 25,000+

• Annual Declared Rate:  Rate: 2.65%
• Fixed Account:  Rate: 2.45%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 52%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 4.75% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 60%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 155% Floor 15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 77% Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 102% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 138% Floor 10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 154% Floor 15% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 5.75%  Floor 2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 7%  Floor 5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 12%  Floor 15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 9.5%  Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 91% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 113% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 139% Floor 10% 

FIA Plus 10 Premium Bonus 100,000+

• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 146% Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 120% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 98% Floor 2.5% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.5%  Floor 10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 13%  Floor 15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 8%  Floor 5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.75%  Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 161% Floor 15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 145% Floor 10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 109% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 84% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 162% Floor 15% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 67%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.75% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 59%
• Fixed Account:  Rate: 2.65%
• Annual Declared Rate:  Rate: 2.85%

FIA Plus 5 25,000+

• :  Rate: 4.05%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 191% Floor -15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9.75%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 19%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.25%  Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 131% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 157% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 184% Floor -10% 
• 1 Year Fixed Rate Account:  Rate: 3.85%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.25% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 103%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 

FIA Plus 5 100,000+

• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor -5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 110%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.25% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
• 1 Year Fixed Rate Account:  Rate: 4.05%
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 191% Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 164% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 138% Floor -2.5% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.25%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.75%  Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 198% Floor -15% 
• :  Rate: 4.25%

FIA Plus 5 Premium Bonus 25,000+

• Annual Declared Rate:  Rate: 3.05%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 174% Floor 15% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 109% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 133% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 160% Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 175% Floor 15% 
• Fixed Account:  Rate: 2.85%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 67%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 79%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 97% Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 121% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 155% Floor 10% 

FIA Plus 5 Premium Bonus 100,000+

• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 162% Floor 10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 104% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 86%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 74%
• Fixed Account:  Rate: 3.05%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 182% Floor 15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 167% Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 140% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 116% Floor 2.5% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 181% Floor 15% 
• Annual Declared Rate:  Rate: 3.25%

FIA Plus 7 25,000+

• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 195% Floor -15% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 9.75%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 11.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 19%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 15.25%  Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107%
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 135% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 161% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10% 
• 1 Year Fixed Account:  Rate: 4%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 93%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 138% Floor -5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 169% Floor -10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 187% Floor -15% 
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 8.25% 
• Annual Declared Rate:  Rate: 4.2%

FIA Plus 7 100,000+

• Annual Declared Rate:  Rate: 4.4%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.25% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 194% Floor -15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 176% Floor -10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 145% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 120% Floor -2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
• 1 Year Fixed Account:  Rate: 4.2%
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 195% Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 168% Floor -5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 142% Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114%
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.25%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.75%  Floor -2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 202% Floor -15% 

FIA Plus 7 Premium Bonus 25,000+

• Annual Declared Rate:  Rate: 3.1%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 170% Floor 15% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 169% Floor 15% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 6.5%  Floor 2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 7.75%  Floor 5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 12.75%  Floor 15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 10.25%  Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 106% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 128% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 154% Floor 10% 
• Fixed Account:  Rate: 2.9%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 65%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 5.25% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 78%
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 92% Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 118% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 151% Floor 10% 

FIA Plus 7 Premium Bonus 100,000+

• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -10% Floor:  Part Rate 158% Floor 10% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -5% Floor:  Part Rate 125% Floor 5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -2.5% Floor:  Part Rate 99% Floor 2.5% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 85%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 6.25% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 72%
• Fixed Account:  Rate: 3.1%
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 161% Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 135% Floor 5% 
• HSBC Global AI Tactical Annual PTP Par Rate with -2.5% Floor:  Part Rate 113% Floor 2.5% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 11.25%  Floor 10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 13.75%  Floor 15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 8.75%  Floor 5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 7.5%  Floor 2.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with -15% Floor:  Part Rate 176% Floor 15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 177% Floor 15% 
• Annual Declared Rate:  Rate: 3.3%

WealthDefender 10 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 4.25%
• S&P 500 1-Year Cap Rate:  Cap 8.25% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 78%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 112%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 122%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 81%

WealthDefender 10 100,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 87%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 131%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 121%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 84%
• S&P 500 1-Year Cap Rate:  Cap 9.25% 
• 1 Year Fixed Interest Strategy :  Rate: 4.45%

WealthDefender 5 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 3.95%
• S&P 500 1-Year Cap Rate:  Cap 8% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 74%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 104%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77%

WealthDefender 5 100,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80%
• S&P 500 1-Year Cap Rate:  Cap 9% 
• 1 Year Fixed Interest Strategy :  Rate: 4.15%

WealthDefender 7 25,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%
• 1 Year Fixed Interest Strategy :  Rate: 4.05%
• S&P 500 1-Year Cap Rate:  Cap 8% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 74%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 104%

WealthDefender 7 100,000+

• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 113%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 80%
• S&P 500 1-Year Cap Rate:  Cap 9% 
• 1 Year Fixed Interest Strategy :  Rate: 4.25%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%

WealthDefender Bonus 10 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 3%
• S&P 500 1-Year Cap Rate:  Cap 5.25% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%

WealthDefender Bonus 10 100,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
• S&P 500 1-Year Cap Rate:  Cap 6.25% 
• 1 Year Fixed Interest Strategy :  Rate: 3.2%

WealthDefender Bonus 5 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 2.85%
• S&P 500 1-Year Cap Rate:  Cap 6% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 86%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 67%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 94%

WealthDefender Bonus 5 100,000+

• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 103%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 73%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 95%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 70%
• S&P 500 1-Year Cap Rate:  Cap 7% 
• 1 Year Fixed Interest Strategy :  Rate: 3.05%

WealthDefender Bonus 7 25,000+

• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 59%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 83%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 91%
• 1 Year 1Fixed Interest Strategy :  Rate: 3%
• S&P 500 1-Year Cap Rate:  Cap 5.75% 

WealthDefender Bonus 7 100,000+

• S&P 500 1-Year Cap Rate:  Cap 6.75% 
• 1 Year 1Fixed Interest Strategy :  Rate: 3.2%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 100%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 92%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 65%

WealthDefender Bonus Plus 10 25,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
• S&P 500 1-Year Cap Rate:  Cap 5.25% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 58%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79%
• 1 Year Fixed Interest Strategy :  Rate: 3%

WealthDefender Bonus Plus 10 100,000+

• 1 Year Fixed Interest Strategy :  Rate: 3.2%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88%
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 64%
• S&P 500 1-Year Cap Rate:  Cap 6.25% 
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%

April 21, 2025 – Effective Date of Change

Pacific Guardian Life

MYGA

• Diamond Head 10 10,000+  5.00%
• Diamond Head 3 10,000+  4.70%
• Diamond Head 4 10,000+  4.70%