On The Move – November 12, 2024

November 13, 2024 – Effective Date of Change

Aspida

Fixed Indexed Annuity

Synergy Choice Bonus 10 25,000+

• 1-Year Fixed Account Rate:  Rate: 2.25%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.25% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 8.75% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 27%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 31%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 51%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 76%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 130%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 185%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 7% 
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 79%
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 3.25% 
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 8% 
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 32%
• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 25.5%

Synergy Choice Bonus 10 100,000+

• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 28%
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 35%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 9% 
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 3.75% 
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 85%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 8% 
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 140%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 83%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 56%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 35%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 30%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 10% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 6% 
• 1-Year Fixed Account Rate:  Rate: 2.5%

Synergy Choice Bonus 10 CA 25,000+

• 1-Year Fixed Account Rate:  Rate: 2.4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 6.25% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 10.25% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 27%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 33%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 54%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 78%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 135%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 190%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 4% 
• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 27.5%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 81%
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 34%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 9.5% 

Synergy Choice Bonus 10 CA 100,000+

• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 10.5% 
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 37%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 87%
• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 30%
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 4.75% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 9% 
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 205%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 145%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 85%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 59%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 37%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 30%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.5% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 7% 
• 1-Year Fixed Account Rate:  Rate: 2.65%

Synergy Choice Max 10 25,000+

• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 275%
• 1-Year Fixed Account Rate:  Rate: 4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 56%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 87%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 138%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 38%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 123%
• 2-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 47%
• 2-Year Nasdaq 100 Point to Point Cap Rate:  Cap 14% 

Synergy Choice Max 10 100,000+

• 2-Year Nasdaq 100 Point to Point Cap Rate:  Cap 15% 
• 2-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 50%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 130%
• 1-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 40%
• 1-Year Nasdaq 100 Point to Point Cap Rate:  Cap 8% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 20% 
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 145%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 92%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 60%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 50%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 20% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 10% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 290%

Synergy Choice Max 5 25,000+

• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 275%
• 1-Year Fixed Account Rate:  Rate: 4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 56%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 87%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 138%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 38%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 123%
• 2-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 47%
• 2-Year Nasdaq 100 Point to Point Cap Rate:  Cap 14% 

Synergy Choice Max 5 100,000+

• 2-Year Nasdaq 100 Point to Point Cap Rate:  Cap 15% 
• 2-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 50%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 130%
• 1-Year Nasdaq 100 Point to Point Participation Rate:  Part Rate 40%
• 1-Year Nasdaq 100 Point to Point Cap Rate:  Cap 8% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 20% 
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 145%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 92%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 60%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 50%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 20% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 10% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 290%

November 15, 2024 – Effective Date of Change

AuguStar

MYGA

• LunarGuard 3 10,000+  4.35%
• LunarGuard 3 100,000+  4.55%
• LunarGuard 5 10,000+  4.35%
• LunarGuard 5 100,000+  4.55%
• LunarGuard 7 10,000+  4.35%
• LunarGuard 7 100,000+  4.55%

November 18, 2024 – Effective Date of Change

Lincoln Financial Group

Lincoln OptiBlend 10 10,000+

• 1-Year S&P 500 5% Daily Risk Control ER Spread :  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.65%
• 1-Year S&P 500 Participation:  Part Rate 47%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 6.5% 

Lincoln OptiBlend 10 100,000+

• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 8% 
• 1-Year S&P 500 Participation:  Part Rate 52%
• 1-Year Fixed Account:  Rate: 4.15%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 

Lincoln OptiBlend 10 CA 10,000+

• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1-Year Fixed Account:  Rate: 3%
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 

Lincoln OptiBlend 10 CA 100,000+

• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year Fixed Account:  Rate: 3.25%
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 
• 1-Year Fixed Account:  Rate: 3.5%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 6.25% 

Lincoln OptiBlend 5 100,000+

• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 7.75% 
• 1-Year Fixed Account:  Rate: 4%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8% 
• 1-Year S&P 500 Participation :  Part Rate 52%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 

Lincoln OptiBlend 5 CA 10,000+

• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 
• 1-Year Fixed Account:  Rate: 2.75%
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 

Lincoln OptiBlend 5 CA 100,000+

• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.65%
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1 Year S&P 500 10% DRC Trigger 7Y Lock:  Cap 6% 

Lincoln OptiBlend 7 100,000+

• 1 Year S&P 500 10% DRC Trigger 7Y Lock:  Cap 7.5% 
• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.15%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 

Lincoln OptiBlend 7 CA 10,000+

• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1-Year Fixed Account:  Rate: 2.75%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 

Lincoln OptiBlend 7 CA 100,000+

• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: