On The Move – February 13, 2024

February 13, 2024 – Effective Date of Change

National Western Life

NWL® Choice Optimizer 5 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.05% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 24%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.3% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 1.95% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 54%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 140%
• 1 Year Fixed Account:  Rate: 3.35%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 112%

NWL® Choice Optimizer 5 100,000+

• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 120%
• 1 Year Fixed Account:  Rate: 3.6%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 150%
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 59%
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.1% 
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.6% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 27%
• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.6% 

NWL® Choice Optimizer 5 CA 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 8.8% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 23%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.2% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 1.9% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 52%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 136%
• 1 Year Fixed Account:  Rate: 3.25%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 109%

NWL® Choice Optimizer 5 CA 100,000+

• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 117%
• 1 Year Fixed Account:  Rate: 3.5%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 146%
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 57%
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.05% 
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.45% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 26%
• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.35% 

NWL® Choice Optimizer 7 25,000+

• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 122%
• 1 Year Fixed Account:  Rate: 3.75%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.7% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.35% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 60%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 150%
• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.45% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 30%

NWL® Choice Optimizer 7 100,000+

• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 33%
• S&P 500 One-Year Point-to-Point with Cap:  Cap 10% 
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 160%
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 65%
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.5% 
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 8% 
• 1 Year Fixed Account:  Rate: 4%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 130%

NWL® Choice Optimizer 7 CA 25,000+

• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.2% 
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 29%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 119%
• 1 Year Fixed Account:  Rate: 3.65%
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.6% 
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.3% 
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 58%
• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 146%

NWL® Choice Optimizer 7 CA 100,000+

• S&P 500 Low Volatility 5% One-Year Point-to-Point with Participation Rate:  Part Rate 156%
• S&P 500 One-Year Monthly Average with a Participation Rate:  Part Rate 63%
• S&P 500 One-Year Monthly Point-to-Point with Cap:  Cap 2.45% 
• S&P 500® One-Year Point-to-Point with Performance Trigger:  Cap 7.85% 
• 1 Year Fixed Account:  Rate: 3.9%
• S&P 500 Low Volatility 8% Two-Year Point-to-Point with Participation Rate:  Part Rate 127%
• S&P 500® One-Year Point-to-Point with Participation Rate:  Part Rate 32%
• S&P 500 One-Year Point-to-Point with Cap:  Cap 9.75% 

NWL® Core Dynamic 10,000+

• Option J: Annual Reset Annual Point to Point with Cap and Spread :  Cap 4% 
• Option A: Annual Reset Monthly Average with Participation and Fee:  Part Rate 20%
• Option B: Fixed Interest Rate:  Rate: 2.1%
• Option D: Annual Reset Monthly Point-to-Point with Cap:  Cap 1.5% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 75%

NWL® Pro Dynamic 10,000+

• Option A: Annual Reset Monthly Average with Participation and Fee:  Part Rate 20%
• Option D: Annual Reset Monthly Point-to-Point with Cap:  Cap 1.5% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 75%
• Option B: Fixed Interest Rate:  Rate: 2.1%
• Option J: Annual Reset Annual Point to Point with Cap and Spread:  Cap 4% 

Protective

• Secure Saver 5 10,000+  3.80%
• Secure Saver 5 25,000+  4.55%
• Secure Saver 5 75,000+  4.90%
• Secure Saver 7 10,000+  3.80%
• Secure Saver 7 25,000+  4.55%
• Secure Saver 7 75,000+  4.90%

February 15, 2024 – Effective Date of Change

AuguStar

OrionShield 10 15,000+

• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.75% 
• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 9% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 160%
• 1-Year Fixed Account:  Rate: 4.1%

OrionShield 10 150,000+

• 1-Year Fixed Account:  Rate: 4.85%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 180%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 10% 
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14%  Part Rate 50%

OrionShield 10 Premium Bonus 15,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.75% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.25%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.75% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 140%

OrionShield 10 Premium Bonus 150,000+

• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 160%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.5%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 3%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6% 

OrionShield 5 15,000+

• 1-Year Fixed Account:  Rate: 3.85%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.75% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8% 

OrionShield 5 150,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9.25% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 10.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.6%

OrionShield 7 15,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.75% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130%
• 1-Year Fixed Account:  Rate: 4%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.75% 

OrionShield 7 150,000+

• 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 14%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.75%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 150%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 10% 

OrionShield 7 Premium Bonus 15,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130%
• 1-Year Fixed Account:  Rate: 3.25%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.75% 

OrionShield 7 Premium Bonus 150,000+

• 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 13%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 150%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.25% 

MYGA

• LunarGuard 3 10,000+  4.85%
• LunarGuard 3 100,000+  5.05%
• LunarGuard 5 10,000+  4.90%
• LunarGuard 5 100,000+  5.10%
• LunarGuard 7 10,000+  4.85%
• LunarGuard 7 100,000+  5.05%

Integrity Life Insurance Company

Fixed Indexed Annuity

Integrity Indextra 5 15,000+

• 1-Year Point-to-Point S&P 500:  Cap 10.5% 
• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 215%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 160%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 180%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 135%
• 1-Year Fixed Interest Option:  Rate: 4.35%

Integrity Indextra 5 – Two 15,000+

• 1-Year Point-to-Point S&P 500:  Cap 11.5% 
• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 220%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 165%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 185%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 137%
• 1-Year Fixed Interest Option:  Rate: 4.45%

Integrity Indextra^TM 10 15,000+

• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.75% 
• 3-Year Point-to-Point GS Momentum Builder:  Part Rate 240%
• 1-Year Fixed Interest Option:  Rate: 3.65%
• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 185%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 135%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced:  Part Rate 115%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced:  Part Rate 155%
• 3-Year Point-to-Point J.P. Morgan Strategic Balanced:  Part Rate 190%

Integrity Indextra^TM 10 – Two 15,000+

• 3-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 195%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 160%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 117%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 10% 
• 3-Year Point-to-Point GS Momentum Builder:  Part Rate 245%
• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 190%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 140%
• 1-Year Fixed Interest Option:  Rate: 3.75%

Integrity Indextra^TM 7 15,000+

• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 185%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 135%
• 3-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 190%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 155%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 115%
• 1-Year Fixed Interest Option:  Rate: 3.65%
• 1-Year Point-to-Point S&P 500:  Cap 8.75% 
• 3-Year Point-to-Point GS Momentum Builder:  Part Rate 240%

Integrity Indextra^TM7 – Two 15,000+

• 3-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 195%
• 2-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 160%
• 1-Year Point-to-Point J.P. Morgan Strategic Balanced :  Part Rate 117%
• 1-Year Point-to-Point S&P 500:  Cap 10% 
• 3-Year Point-to-Point GS Momentum Builder:  Part Rate 245%
• 2-Year Point-to-Point GS Momentum Builder :  Part Rate 190%
• 1-Year Point-to-Point GS Momentum Builder :  Part Rate 140%
• 1-Year Fixed Interest Option:  Rate: 3.75%

Oceanview Life and Annuity

Fixed Indexed Annuity

Harbourview FIA 10 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 10% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8% 
• 1 Year Fixed Rate Account:  Rate: 9.25%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 10% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 10% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 220%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 110%

Harbourview FIA 10 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 220%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 110%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 10% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 10% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 10% 
• 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% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 57%
• 1 Year Fixed Rate Account:  Rate: 9.25%

Harbourview FIA 3 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6% 
• 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 6% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 30%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 40%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 5.35%

Harbourview FIA 3 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 29%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 5.35%
• 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 6% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6% 

Harbourview FIA 5 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 58%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 1 Year Fixed Account:  Rate: 5.5%

Harbourview FIA 5 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.5% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 40%
• 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: 5.5%
• 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 9.5% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.5% 

Harbourview FIA 7 20,000+

• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.75% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 200%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 100%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 58%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 1 Year Fixed Account:  Rate: 8%

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 40%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 8%
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 200%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 100%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.75% 

February 16, 2024 – Effective Date of Change

Reliance Standard Life

Fixed Indexed Annuity

Keystone 10 Index Annuity 10,000+

• 1 Year Point-to-Point – Capped :  Cap 9% 
• 1 Year Point-to-Point – Participation Rate:  Part Rate 57%
• 1 Year Monthly Average – Capped:  Cap 9.25% 
• 1 Year Fixed Interest Strategy :  Rate: 4.5%

Keystone 5 Index Annuity 10,000+

• 1 Year Point-to-Point – Capped:  Cap 9.5% 
• 1 Year Point-to-Point – Participation Rate:  Part Rate 60%
• 1 Year Monthly Average – Capped:  Cap 9.75% 
• 1 Year Fixed Interest Strategy:  Rate: 4.9%

Keystone 7 Index Annuity 10,000+

• 1 Year Point-to-Point – Capped :  Cap 9.5% 
• 1 Year Point-to-Point – Participation Rate :  Part Rate 60%
• 1 Year Monthly Average – Capped :  Cap 9.75% 
• 1 Year Fixed Interest Strategy :  Rate: 4.9%

Reliance Accumulator 10 20,000+

• 1-Year S&P 500 Point to Point Capped:  Cap 9% 
• 1-Year S&P 500 Point to Point Participation:  Part Rate 57%
• 1-Year S&P 500 Monthly Average Capped:  Cap 9.25% 
• Fixed Interest :  Rate: 4.5%
• 1-Year S&P MARC 5% Point to Point Participation:  Part Rate 205%
• 1-Year S&P MARC 5% Point to Point Participation with Spread:  Spread 1%  Part Rate 225%

Reliance Accumulator 5 20,000+

• 1-Year S&P 500 Point to Point Capped:  Cap 9.5% 
• 1-Year S&P 500 Point to Point Participation:  Part Rate 60%
• 1-Year S&P 500 Monthly Average Capped:  Cap 9.75% 
• 1-Year S&P MARC 5% Point to Point Participation:  Part Rate 215%
• 1-Year S&P MARC 5% Point to Point Participation with Spread:  Spread 1%  Part Rate 235%
• Fixed Interest :  Rate: 4.9%

Reliance Accumulator 7 20,000+

• 1-Year S&P 500 Point to Point Capped:  Cap 9.5% 
• 1-Year S&P 500 Point to Point Participation:  Part Rate 60%
• 1-Year S&P 500 Monthly Average Capped:  Cap 9.75% 
• 1-Year S&P MARC 5% Point to Point Participation:  Part Rate 215%
• 1-Year S&P MARC 5% Point to Point Participation with Spread:  Spread 1%  Part Rate 235%
• Fixed Interest :  Rate: 4.9%