On The Move – July 5, 2022

July 1, 2022 – Effective Date of Change

Delaware Life

Fixed Index Annuity:

Retirement Chapters 10 25,000+

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 6.00% 
• 1-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 100%
• 2-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 110%
• 1-Year Fixed Account:  Rate 2.50%
• 1-Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 30%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125%

Retirement Stages 7 *ROP for FEE* 10,000+

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 8.00% 
• 1-Year Fixed Account:  Rate 3.75%
• 1-Year S&P 500 Performance Trigger:  Cap 7.50% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 35%
• 1-Year Morgan Stanley Global Opportunities:  Part Rate 125%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125%

Target Income 10 25,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 90%
• 1 Year S&P 500 with Cap:  Cap 4.00% 
• Fixed:  Rate 1.50%
• 1 Year S&P 500 with Participation:  Part Rate 25%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 90%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.50% 

Target Income 10 100,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 100%
• 1 Year S&P 500 with Cap:  Cap 4.50% 
• Fixed:  Rate 1.65%
• 1 Year S&P 500 with Participation:  Part Rate 27%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 100%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.25% 

Target Income 10 500,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 110%
• 1 Year S&P 500 with Cap:  Cap 5.00% 
• Fixed:  Rate 1.80%
• 1 Year S&P 500 with Participation:  Part Rate 30%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 110%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.10% 

MYGA:

• Pinnacle MYGA^sm 3 Year 10,000+  3.30%
• Pinnacle MYGA^sm 3 Year (DE & FL) 10,000+  3.30%
• Pinnacle MYGA^sm 5 Year 10,000+  3.70%
• Pinnacle MYGA^sm 5 Year (DE & FL) 10,000+  3.70%
• Pinnacle MYGA^sm 7 Year 10,000+  3.75%
• Pinnacle MYGA^sm 7 Year (DE & FL) 10,000+  3.75%

July 1, 2022 – Effective Date of Change

Guaranty Income Life

Fixed Annuity:

• AnnuiCare 10 (LTC) 36,500+  3.30%
• AnnuiCare 5 (LTC) 36,500+  3.00%
• AnnuiCare 7 (LTC) 36,500+  3.15%
• FlexPlus 10 5,000+  3.30%
• FlexPlus 5 5,000+  3.00%
• FlexPlus 7 5,000+  3.15%
• RateWise Annuity 3 Year Floating Account 10,000+  0.75% w/ 0.33% Bonus
• RateWise Annuity 3 Year Floating Account (Liquidty) 10,000+  0.65% w/ 0.33% Bonus
• RateWise Annuity 5 Year Floating Account 10,000+  1.25% w/ 0.33% Bonus
• RateWise Annuity 5 Year Floating Account (Liquidity) 10,000+  1.15% w/ 0.33% Bonus
• RateWise Annuity 7 Year Floating Account 10,000+  1.50% w/ 0.33% Bonus
• RateWise Annuity 7 Year Floating Account (Liquidity) 10,000+  1.40% w/ 0.33% Bonus

Fixed Indexed Annuity:

WealthChoice 10 20,000+

• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.50% 
• 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 45%
• 1-Year S&P 500 Monthly Sum:  Cap 1.25% 
• Fixed Rate:  Rate 2.00%
• 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 120%

WealthChoice 10 PREMIUM BONUS 20,000+

• Fixed Rate:  Rate 2.00%
• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 7.35% 
• 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 35%
• 1-Year S&P 500 Monthly Sum:  Cap 1.00% 
• 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 80%

WealthChoice 5 20,000+

• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.00% 
• 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 40%
• 1-Year S&P 500 Monthly Sum:  Cap 1.00% 
• Fixed Rate:  Rate 2.00%
• 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 115%

WealthChoice 7 20,000+

• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 8.40% 
• 1-Year S&P 500 Annual Point-to-Point Par Rate:  Part Rate 43%
• 1-Year S&P 500 Monthly Sum:  Cap 1.00% 
• Fixed Rate:  Rate 2.00%
• 1-Year Horizon Ascend 5% Point-to-Point Par Rate:  Part Rate 120%

July 1, 2022 – Effective Date of Change

Guggenheim Life and Annuity Company

Highlander 10,000+

• S&P 500 1-Year Point-To-Point With Cap:  Cap 5.50% 
• S&P 500 1-Year Point-To-Point With Participation:  Part Rate 35%
• 1 Year Fixed Rate Strategy:  Rate 3.00%
• S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation :  Part Rate 135%

Highlander 7 10,000+

• 1 Year Fixed:  Rate 3.25%
• S&P MARC 5% ER 1-Year Pt-to-Pt w/Participation:  Part Rate 160%
• S&P 500 1-Year Pt-to-Pt w/Annual Cap:  Cap 7.00% 
• S&P 500 1-Year Pt-to-Pt w/Participation:  Part Rate 35%

ViStar 10,000+

• S&P 500 w/ Cap:  Cap 7.25% 
• S&P 500 w/ Participation:  Part Rate 35%
• S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 150%
• S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 150%
• S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 160%
• Fixed:  Rate 3.40%

MYGA:

• Preserve MYGA 10 10,000+  4.35%
• Preserve MYGA 10 250,000+  4.45%
• Preserve MYGA 3 10,000+  4.00%
• Preserve MYGA 3 250,000+  4.10%
• Preserve MYGA 4 10,000+  4.05%
• Preserve MYGA 4 250,000+  4.15%
• Preserve MYGA 5 10,000+  4.10%
• Preserve MYGA 5 250,000+  4.20%
• Preserve MYGA 6 10,000+  4.15%
• Preserve MYGA 6 250,000+  4.25%
• Preserve MYGA 7 10,000+  4.20%
• Preserve MYGA 7 250,000+  4.30%
• Preserve MYGA 8 10,000+  4.25%
• Preserve MYGA 8 250,000+  4.35%
• Preserve MYGA 9 10,000+  4.30%
• Preserve MYGA 9 250,000+  4.40%
• ProOption MYGA 10 with ROP 10,000+
• ProOption MYGA 5 with ROP 10,000+
• ProOption MYGA 7 with ROP 10,000+

July 1, 2022 – Effective Date of Change

Lincoln Financial Group

Fixed Indexed Annuity:

Lincoln OptiBlend 10 10,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.500% 
• 1-Year Fixed Account:  Rate 4.00%
• 1-Year S&P 500 Participation:  Part Rate 35%
• 1 Year Fidelity AIM Dividend Participation:  Part Rate 175%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220%

Lincoln OptiBlend 10 100,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.000% 
• 1-Year Fixed Account:  Rate 4.25%
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1 Year Fidelity AIM Dividend Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 275%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 245%

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.400% 
• 1-Year Fixed Account:  Rate 3.90%
• 1-Year S&P 500 Participation:  Part Rate 35%
• 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 150%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 195%

Lincoln OptiBlend 5 100,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.900% 
• 1-Year Fixed Account:  Rate 4.15%
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 175%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220%

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.50% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.45% 
• 1-Year Fixed Account:  Rate 3.90%
• 1-Year S&P 500 Participation:  Part Rate 35%
• 1 Year Fidelity AIM Dividend Participation:  Part Rate 150%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 195%

Lincoln OptiBlend 7 100,000+

• 1-Year S&P 500 5% Daily Risk Control with Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.95% 
• 1-Year Fixed Account:  Rate 4.15%
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1 Year Fidelity AIM Dividend Participation:  Part Rate 175%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250%
• 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220%

MYGA:

• Lincoln MYGuarantee Plus 10 10,000+  3.75%
• Lincoln MYGuarantee Plus 10 100,000+  4.00%
• Lincoln MYGuarantee Plus 5 10,000+  3.60%
• Lincoln MYGuarantee Plus 5 100,000+  3.90%
• Lincoln MYGuarantee Plus 7 10,000+  3.65%
• Lincoln MYGuarantee Plus 7 100,000+  3.95%

July 1, 2022 – Effective Rate of Change

Nationwide Life Insurance Company

Fixed Indexed Annuity:

Nationwide Peak 10 25,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 215%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 225%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 45%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 220%
• Fixed:  Rate 2.75%
• AB Growth & Value Balanced Index – Option B:  Part Rate 190%
• J.P. Morgan Cycle Index – Option B:  Part Rate 200%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 190%
• S&P 500 Price Index – Option B:  Part Rate 40%
• AB Growth & Value Balanced Index – 1 Year:  Cap 9.00% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 9.00% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.00% 
• S&P 500 Price Index – 1 Year:  Cap 5.00% 
• BNPP Global H-Factor Index – 1 Year:  Cap 9.00% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 240%
• BNPP Global H-Factor Index – Option B:  Part Rate 220%

Nationwide Peak 10 100,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 230%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 245%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 50%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 235%
• Fixed:  Rate 3.00%
• AB Growth & Value Balanced Index – Option B:  Part Rate 205%
• J.P. Morgan Cycle Index – Option B:  Part Rate 215%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 205%
• S&P 500 Price Index – Option B:  Part Rate 45%
• AB Growth & Value Balanced Index – 1 Year:  Cap 10.00% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 10.00% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 10.00% 
• S&P 500 Price Index – 1 Year:  Cap 5.50% 
• BNPP Global H-Factor Index – 1 Year:  Cap 10.00% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 250%
• BNPP Global H-Factor Index – Option B:  Part Rate 240%

Nationwide Peak 10 Compact 25,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 210%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 220%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 40%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 215%
• AB Growth & Value Balanced Index – Option B:  Part Rate 185%
• J.P. Morgan Cycle Index – Option B:  Part Rate 195%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 185%
• S&P 500 Price Index – Option B:  Part Rate 35%
• AB Growth & Value Balanced Index – 1 Year:  Cap 8.50% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 8.50% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 8.50% 
• S&P 500 Price Index – 1 Year:  Cap 4.75% 
• Fixed:  Rate 2.65%
• BNPP Global H-Factor Index – 1 Year:  Cap 8.50% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 235%
• BNPP Global H-Factor Index – Option B:  Part Rate 215%

Nationwide Peak 10 Compact 100,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 225%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 235%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 45%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 230%
• AB Growth & Value Balanced Index – Option B:  Part Rate 200%
• J.P. Morgan Cycle Index – Option B:  Part Rate 210%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 200%
• S&P 500 Price Index – Option B:  Part Rate 40%
• AB Growth & Value Balanced Index – 1 Year:  Cap 9.50% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 9.50% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.50% 
• S&P 500 Price Index – 1 Year:  Cap 5.25% 
• Fixed:  Rate 2.90%
• BNPP Global H-Factor Index – 1 Year:  Cap 9.50% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 245%
• BNPP Global H-Factor Index – Option B:  Part Rate 235%

July 1, 2022 – Effective Rate of Change

The Standard

Enhanced Choice Index 10 15,000+

• Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 52%
• 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 34%
• 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190%
• 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 135%
• 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190%
• 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 135%
• 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 190%
• 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 135%

Enhanced Choice Index 5 15,000+

• 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 50%
• 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 32%
• 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180%
• 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 125%
• 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180%
• 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 125%
• 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 180%
• 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 125%
• Fixed Interest Account:  Rate 3.00%

Enhanced Choice Index 7 15,000+

• 1 Year S&P 500 Point to Point Enhanced Participation Rate with Charge:  Part Rate 51%
• 1 Year S&P 500 Point to Point Participation Rate:  Part Rate 33%
• 1 Year S&P 500 Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185%
• 1 Year S&P 500 Daily RC 5% ER Participation Rate:  Part Rate 130%
• 1 Year S&P MARC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185%
• 1 Year S&P MARC 5% ER Participation Rate:  Part Rate 130%
• 1 Year S&P 500 ESG Daily RC 5% ER Enhanced Participation Rate with Charge:  Part Rate 185%
• 1 Year S&P 500 ESG Daily RC 5% ER Participation Rate:  Part Rate 130%
• Fixed Interest Account:  Rate 3.00%

Index Select Annuity 10 15,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.50% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42%

Index Select Annuity 10 100,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.75% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 44%

Index Select Annuity 5 15,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.50% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 40%

Index Select Annuity 5 100,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.75% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42%

Index Select Annuity 7 15,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.50% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 42%

Index Select Annuity 7 100,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.75% 
• 1 Year Fixed Interest Account:  Rate 3.00%
• 1 Year S&P 500 Annual Point-to-Point w/ PR:  Part Rate 44%

MYGA:

• Focused Growth Annuity 10 15,000+  4.00%
• Focused Growth Annuity 10 100,000+  4.10%
• Focused Growth Annuity 3 15,000+  3.55%
• Focused Growth Annuity 3 100,000+  3.65%
• Focused Growth Annuity 5 15,000+  3.95%
• Focused Growth Annuity 5 100,000+  4.05%
• Focused Growth Annuity 7 15,000+  4.15%
• Focused Growth Annuity 7 100,000+  4.25%
• Multi-Choice 3 15,000+  3.60%
• Multi-Choice 3 100,000+  3.70%
• Multi-Choice 3 10% Withdrawal Provision 15,000+  3.50%
• Multi-Choice 3 10% Withdrawal Provision 100,000+  3.60%
• Multi-Choice 3 10% Withdrawal Provision ROP 15,000+  3.40%
• Multi-Choice 3 10% Withdrawal Provision ROP 100,000+  3.50%
• Multi-Choice 3 Interest Only Withdrawals 15,000+  3.55%
• Multi-Choice 3 Interest Only Withdrawals 100,000+  3.65%
• Multi-Choice 5 15,000+  4.00%
• Multi-Choice 5 100,000+  4.10%
• Multi-Choice 5 10% Withdrawal Provision 15,000+  3.90%
• Multi-Choice 5 10% Withdrawal Provision 100,000+  4.00%
• Multi-Choice 5 10% Withdrawal Provision ROP 15,000+  3.80%
• Multi-Choice 5 10% Withdrawal Provision ROP 100,000+  3.90%
• Multi-Choice 5 Interest Only Withdrawals 15,000+  3.95%
• Multi-Choice 5 Interest Only Withdrawals 100,000+  4.05%
• Multi-Choice 7 15,000+  4.10%
• Multi-Choice 7 100,000+  4.20%
• Multi-Choice 7 10% Withdrawal Provision 15,000+  4.00%
• Multi-Choice 7 10% Withdrawal Provision 100,000+  4.10%
• Multi-Choice 7 10% Withdrawal Provision ROP 15,000+  3.90%
• Multi-Choice 7 10% Withdrawal Provision ROP 100,000+  4.00%
• Multi-Choice 7 Interest Only Withdrawals 15,000+  4.05%
• Multi-Choice 7 Interest Only Withdrawals 100,000+  4.15%

July 5, 2022 – Effective Rate of Change

American General Life Insurance Company

Fixed Indexed Annuity:

Power Select Builder 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 7.75% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 2.50% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 44%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 90%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1 Year Russell 2000 Annual Point to Point:  Part Rate 29%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 165%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 180%

Power Select Builder 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 8.75% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread: 
• 2-Year PIMCO Global Optima Index with Spread: 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 50%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 115%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 75%
• 1 Year Russell 2000 Annual Point to Point:  Part Rate 35%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 190%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 200%

Power Select Builder 8 25,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 4.25% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 19%
• ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 2.50% 
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 100%
• PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 50%
• Fixed:  Rate 2.75%
• 1 Year Russell 2000 Annual Point to Point:  Cap 4.00% 
• PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 5.00% 
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 110%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 150%

Power Select Builder 8 100,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 5.00% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 22%
• ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 1.50% 
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 110%
• PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 65%
• Fixed:  Rate 2.75%
• 1 Year Russell 2000 Annual Point to Point:  Cap 4.50% 
• PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 4.00% 
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 125%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 180%

Power Select Plus Income 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.75% 
• 1-Year Fixed Interest Account:  Rate 2.50%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 20%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 120%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 140%

Power Select Plus Income 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.50% 
• 1-Year Fixed Interest Account:  Rate 2.50%
• 2-Year MLStrategic Balanced Index with Spread : 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 25%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 140%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 160%

Power Select Plus Income with Multiplier® 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.25% 
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 1-Year Fixed Interest Account:  Rate 2.15%
• 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 20%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 110%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 130%

Power Select Plus Income with Multiplier® 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.00% 
• 2-Year MLStrategic Balanced Index with Spread : 
• 1-Year Fixed Interest Account:  Rate 2.15%
• 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 25%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 130%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 150%

July 5, 2022 – Effective Rate of Change

GBU Life

Fixed Annuity:

• Preferred 5 500+  4.00%
• Preferred 8 10,000+  4.15%

MYGA:

• Assetguard Select 2 25,000+  3.00%
• Assetguard Select 2 100,000+  3.10%
• Assetguard Select 3 25,000+  3.35%
• Assetguard Select 3 100,000+  3.60%
• Assetguard Select 4 25,000+  3.55%
• Assetguard Select 4 100,000+  3.75%
• Assetguard Select 5 25,000+  4.00%
• Assetguard Select 5 100,000+  4.20%