On The Move – February 19, 2025

February 20, 2025 – Effective Date of Change

Ibexis

Fixed Indexed Annuity

FIA Plus 10 25,000+

• 1 Year Fixed Account:  Rate: 3.9%
• 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 8.75% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 10.5%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  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 -15% Floor:  Part Rate 195% Floor -15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 188% Floor -10% 
• :  Rate: 4.1%

FIA Plus 10 100,000+

• :  Rate: 4.3%
• 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 -15% Floor:  Part Rate 202% Floor -15% 
• 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 17.5%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  Floor -2.5% 
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.75% 
• 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: 4.1%

FIA Plus 10 Premium Bonus 25,000+

• 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% 
• Annual Declared Rate:  Rate: 2.65%
• 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 -10% Floor:  Part Rate 139% Floor 10% 
• HSBC Global AI Tactical Annual PTP Par Rate with -5% Floor:  Part Rate 113% Floor 5% 

FIA Plus 10 Premium Bonus 100,000+

• 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 -10% Floor:  Part Rate 146% Floor 10% 
• 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% 
• Annual Declared Rate:  Rate: 2.85%
• 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%

FIA Plus 5 25,000+

• 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% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 191% Floor -15% 
• 1 Year Fixed Rate Account:  Rate: 3.9%
• 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 8.5% 
• 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% 
• 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 10.5%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
• :  Rate: 4.1%

FIA Plus 5 100,000+

• :  Rate: 4.3%
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 17.5%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  Floor -2.5% 
• 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% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 110%
• S&P 500 Annual PTP Cap with 0% Floor:  Cap 9.5% 
• Bank of America US Strength Fast Convergence Annual PTP Par Rate with 0% Floor:  Part Rate 100%
• 1 Year Fixed Rate Account:  Rate: 4.1%
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 198% Floor -15% 
• 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% 

FIA Plus 5 Premium Bonus 25,000+

• Annual Declared Rate:  Rate: 3.05%
• 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% 
• 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 -15% Floor:  Part Rate 175% Floor 15% 
• HSBC Global AI Tactical Annual PTP Par Rate with -10% Floor:  Part Rate 160% Floor 10% 

FIA Plus 5 Premium Bonus 100,000+

• 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 -15% Floor:  Part Rate 182% Floor 15% 
• 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% 
• 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%
• Annual Declared Rate:  Rate: 3.25%

FIA Plus 7 25,000+

• 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% 
• 1 Year Fixed Account:  Rate: 4.05%
• 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 10.5%  Floor -2.5% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 12.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 20.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 16.5%  Floor -10% 
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 107%
• Annual Declared Rate:  Rate: 4.25%

FIA Plus 7 100,000+

• Annual Declared Rate:  Rate: 4.45%
• HSBC Global AI Tactical Annual PTP Par Rate with 0% Floor:  Part Rate 114%
• S&P 500 Annual PTP Cap with -10% Floor:  Cap 17.5%  Floor -10% 
• S&P 500 Annual PTP Cap with -15% Floor:  Cap 21.5%  Floor -15% 
• S&P 500 Annual PTP Cap with -5% Floor:  Cap 13.5%  Floor -5% 
• S&P 500 Annual PTP Cap with -2.5% Floor:  Cap 11.5%  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: 4.25%
• 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% 

FIA Plus 7 Premium Bonus 25,000+

• Annual Declared Rate:  Rate: 3.1%
• 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% 
• HSBC Global AI Tactical Annual PTP Par Rate with -15% Floor:  Part Rate 170% Floor 15% 
• 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% 
• 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% 

FIA Plus 7 Premium Bonus 100,000+

• 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% 
• 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 -15% Floor:  Part Rate 177% Floor 15% 
• 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% 
• Annual Declared Rate:  Rate: 3.3%

WealthDefender 10 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 4.3%
• S&P 500 1-Year Cap Rate:  Cap 8.5% 
• 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 – 1-Year Par Rate:  Part Rate 81%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 122%

WealthDefender 10 100,000+

• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 131%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 87%
• 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 9.5% 
• 1 Year Fixed Interest Strategy :  Rate: 4.5%

WealthDefender 5 25,000+

• 1 Year Fixed Interest Strategy :  Rate: 4%
• S&P 500 1-Year Cap Rate:  Cap 8.25% 
• Nasdaq-100 Engle 10% Index – 1-Year Par Rate:  Part Rate 104%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 74%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 77%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%

WealthDefender 5 100,000+

• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%
• 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 9.25% 
• 1 Year Fixed Interest Strategy :  Rate: 4.2%

WealthDefender 7 25,000+

• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 114%
• S&P 500 1-Year Cap Rate:  Cap 8.25% 
• 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 – 1-Year Par Rate:  Part Rate 77%
• 1 Year Fixed Interest Strategy :  Rate: 4.1%

WealthDefender 7 100,000+

• 1 Year Fixed Interest Strategy :  Rate: 4.3%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 83%
• 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 9.25% 
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 123%

WealthDefender Bonus 10 25,000+

• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 79%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 62%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
• 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%

WealthDefender Bonus 10 100,000+

• 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%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%
• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
• Nasdaq-100 Engle 10% Index – 2-Year Par Rate:  Part Rate 88%

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+

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

WealthDefender Bonus 7 100,000+

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

WealthDefender Bonus Plus 10 25,000+

• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 89%
• 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 – 1-Year Par Rate:  Part Rate 62%

WealthDefender Bonus Plus 10 100,000+

• Barclays Tactical Growth Index – 1-Year Par Rate:  Part Rate 68%
• 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%
• Barclays Tactical Growth Index – 2-Year Par Rate:  Part Rate 98%

February 21, 2025 – Effective Date of Change

Americo

MYGA

• Platinum Assure 2 25,000+  4.65%
• Platinum Assure 3 25,000+  4.95%
• Platinum Assure 4 25,000+  5.30%
• Platinum Assure 5 25,000+  5.45%
• Platinum Assure 5 CA 25,000+  5.45%
• Platinum Assure 6 25,000+  5.50%
• Platinum Assure 7 25,000+  5.55%

Americo (Legacy)

Fixed Indexed Annuity

ClassicMark 10 10,000+

• 5-Year FUSION Strategy Fixed Rate On Gain (Part A):  Cap 6% 
• 5-Year FUSION Strategy Participation Rate (Part B):  Part Rate 133%
• 1-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR:  Part Rate 181%
• 1-Year S&P 500 Point-to-Point :  Cap 8.85% 
• 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 74%
• 1 Year Declared Interest Option:  Rate: 4.4%
• 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 14.05% 
• 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 73%
• 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 179%
• 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 248%
• 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 250%
• 1-Year Gold Point to Point with Participation:  Part Rate 52%

ClassicMark 10 Plus 10,000+

• 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 218%
• 1-Year Gold Point to Point with Participation:  Part Rate 46%
• 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 11.35% 
• 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 64%
• 1-Yr SG Laser Index Point to Point with Participation:  Part Rate 158%
• 2-Yr SG Laser Index Point to Point with Participation:  Part Rate 219%
• 1-Year S&P 500 Point-to-Point :  Cap 7.75% 
• 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 65%
• 1 Year Declared Interest Option:  Rate: 3.9%
• 1-Year SG Columbia Adaptive Risk Allocation Point-to-point W/PR :  Part Rate 158%
• 5-Year FUSION Strategy Fixed Rate On Gain (Part A) :  Cap 5% 
• 5-Year FUSION Strategy Participation Rate (Part B) :  Part Rate 127%

LibertyMark Freedom 10 10,000+

• 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 14.4% 
• 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 73%
• 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 102%
• 1-Yr S&P 500 PTP w/Cap:  Cap 8.65% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 14.25% 
• 2-Yr S&P 500 PTP w/Par :  Part Rate 74%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 103%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 185%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 255%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 255%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 352%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 181%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 252%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 251%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 348%
• 1 Year Declaired Interest Rate:  Rate: 4.6%

LibertyMark Freedom 10 Plus 10,000+

• 1 Year Declared Interest Rate:  Rate: 3.3%
• 1-Yr S&P 500 PTP w/Cap:  Cap 6.55% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 10.75% 
• 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 84%
• 2-Yr S&P 500 PTP w/Par :  Part Rate 55%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 83%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 135%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 205%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 185%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 282%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 135%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 205%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 186%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 284%
• 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 8.8% 
• 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 54%

LibertyMark Freedom 7 10,000+

• 1-Yr S&P 500 IQ Index Point to Point with Cap:  Cap 12.95% 
• 1-Yr S&P 500 IQ Index Point to Point with Participation:  Part Rate 69%
• 1-Yr S&P 500 IQ Index Point to Point Participation with Fee:  Part Rate 94%
• 1-Yr S&P 500 PTP w/Cap:  Cap 8.45% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 12.9% 
• 2-Yr S&P 500 PTP w/Par :  Part Rate 70%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 95%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 173%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 233%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 239%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 321%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 171%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 232%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 237%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 320%
• 1 Year Declared Interest Rate:  Rate: 4.25%