On The Move – November 1, 2022

November 1, 2022 – Effective Date of Change

Clear Spring Life

Fixed Indexed Annuity

Highlander 10,000+

• S&P 500 1-Year Point-To-Point With Cap:  Cap 7.50% 
• S&P 500 1-Year Point-To-Point With Participation:  Part Rate 35%
• 1 Year Fixed Rate Strategy:  Rate 3.50%
• S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation :  Part Rate 165%

Highlander 7 10,000+

• 1 Year Fixed:  Rate 4.00%
• S&P MARC 5% ER 1-Year Pt-to-Pt w/Participation:  Part Rate 175%
• S&P 500 1-Year Pt-to-Pt w/Annual Cap:  Cap 9.00% 
• S&P 500 1-Year Pt-to-Pt w/Participation:  Part Rate 35%

ViStar 10,000+

• S&P 500 w/ Cap:  Cap 10.00% 
• S&P 500 w/ Participation:  Part Rate 35%
• S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 160%
• S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 160%
• S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 165%
• Fixed:  Rate 4.00%

MYGA

• Preserve MYGA 10 10,000+  4.90%
• Preserve MYGA 10 250,000+  5.00%
• Preserve MYGA 3 10,000+  4.60%
• Preserve MYGA 3 250,000+  4.70%
• Preserve MYGA 4 10,000+  4.75%
• Preserve MYGA 4 250,000+  4.85%
• Preserve MYGA 5 10,000+  4.80%
• Preserve MYGA 5 250,000+  4.90%
• Preserve MYGA 6 10,000+  4.80%
• Preserve MYGA 6 250,000+  4.90%
• Preserve MYGA 7 10,000+  4.80%
• Preserve MYGA 7 250,000+  4.90%
• Preserve MYGA 8 10,000+  4.80%
• Preserve MYGA 8 250,000+  4.90%
• Preserve MYGA 9 10,000+  4.80%
• Preserve MYGA 9 250,000+  4.90%
• ProOption MYGA 10 with ROP 10,000+
• ProOption MYGA 5 with ROP 10,000+
• ProOption MYGA 7 with ROP 10,000+

Delaware Life

Fixed Indexed Annuity

Retirement Chapters 10 25,000+

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 7.50% 
• 1-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 125%
• 2-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 135%
• 1-Year Fixed Account:  Rate 3.50%
• 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 130%

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

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 10.00% 
• 1-Year Fixed Account:  Rate 4.00%
• 1-Year S&P 500 Performance Trigger:  Cap 8.00% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 35%
• 1-Year Morgan Stanley Global Opportunities:  Part Rate 150%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 160%

Target Growth 10 25,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.50% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 30%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 150%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 140%
• Fixed:  Rate 3.25%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 160%

Target Growth 10 100,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 10.00% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 35%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 165%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 155%
• Fixed:  Rate 3.50%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 175%

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% 

Integrity Life Insurance Company

Fixed Annuity

• New Momentum 5 5,000+  4.15% w/ 0.75% Bonus
• New Momentum 6 5,000+  4.05% w/ 0.75% Bonus
• New Momentum QIO 5,000+  5.50%
• SPDA Series II 1 3,000+  5.60%
• SPDA Series II 3 3,000+  4.55% w/ 1.00% Bonus
• SPDA Series II 5 3,000+  4.45% w/ 1.00% Bonus

MYGA

• MultiVantage 10 20,000+  4.10% w/ 1.00% Bonus
• MultiVantage 4 20,000+  4.30% w/ 1.00% Bonus
• MultiVantage 5 20,000+  4.15% w/ 1.00% Bonus
• MultiVantage 7 20,000+  4.10% w/ 1.00% Bonus
• New Momentum 10 5,000+  3.90% w/ 0.75% Bonus
• New Momentum 7 5,000+  3.95% w/ 0.75% Bonus
• SPDA Series II 7 3,000+  4.35% w/ 1.00% Bonus

MassMutual Ascend Life Insurance Company

MYGA

• SecureGain 3 10,000+  3.95%
• SecureGain 3 100,000+  4.10%
• SecureGain 5 10,000+
• SecureGain 5 100,000+
• SecureGain 7 10,000+
• SecureGain 7 100,000+

Nassau Life and Annuity Company

Fixed Indexed Annuity

Nassau Growth Annuity 10 Group A 15,000+

• 1-year S&P 500 – Cap:  Cap 11.00% 
• 1-year S&P 500 – Participation Rate:  Part Rate 45%
• 2-Year S&P 500 – Participation Rate:  Part Rate 58%
• 2-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 160%
• 1-Year S&P 500 – Participation Rate with Fee:  Part Rate 50%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 70%
• 2-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 200%
• Fixed Account:  Rate 4.45%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 90%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 112%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 40%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 45%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 56%

Nassau Growth Annuity 10 Group A with Income 15,000+

• 1-year S&P 500 – Cap:  Cap 11.00% 
• 1-year S&P 500 – Participation Rate:  Part Rate 45%
• 2-year S&P 500 – Participation Rate:  Part Rate 58%
• 2-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 160%
• 1-Year S&P 500 – Participation Rate with Fee:  Part Rate 50%
• 2-year S&P 500 Participatin Rate with Fee:  Part Rate 70%
• 2-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 200%
• Fixed Account:  Rate 4.45%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 90%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 112%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 40%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 45%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 56%

Nassau Growth Annuity 10 Group B 15,000+

• 1-year S&P 500 Cap:  Cap 10.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 43%
• 2-year S&P 500 Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 152%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 48%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 191%
• Fixed Account:  Rate 4.25%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 107%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 38%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 43%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 54%

Nassau Growth Annuity 10 Group B with Income 15,000+

• 1-year S&P 500 Cap:  Cap 10.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 43%
• 2-year S&P 500 Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 152%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 48%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 191%
• Fixed Account:  Rate 4.25%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 107%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 38%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 43%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 54%

Nassau Growth Annuity 10 Group C 15,000+

• 1-year S&P 500 Cap:  Cap 10.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 43%
• 2-year S&P 500 Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 152%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 48%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 191%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 107%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 38%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 43%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 54%
• Fixed Account:  Rate 4.25%

Nassau Growth Annuity 10 Group C with Income 15,000+

• 1-year S&P 500 Cap:  Cap 10.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 43%
• 2-year S&P 500 Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 152%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 48%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 191%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 107%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 38%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 43%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 54%
• Fixed Account:  Rate 4.25%

Nassau Growth Annuity 7 Group B 15,000+

• Fixed Account:  Rate 3.85%
• 1-year S&P 500 Cap:  Cap 9.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 40%
• 2-year S&P 500 Participation Rate:  Part Rate 51%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 135%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 43%
• 2-year S&P 500 Participation Rate With Fee:  Part Rate 60%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 175%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 75%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 98%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 39%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 50%

Nassau Growth Annuity 7 Group C 15,000+

• 1-year S&P 500 Cap:  Cap 9.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 40%
• 2-year S&P 500 Participation Rate:  Part Rate 51%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 135%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 43%
• 2-year S&P 500 Participation Rate With Fee:  Part Rate 60%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 175%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 75%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 98%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 39%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 50%
• Fixed Account:  Rate 3.85%

Nassau Personal Income Annuity Group A 15,000+

• Monthly S&P 500:  Cap 1.15% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 2.50% 
• 1-Year S&P 500 Participation :  Part Rate 20%
• 2-Year S&P 500 Participation:  Part Rate 30%
• 1-Year CSTMA Spread:  Spread 4.75% 
• 2-Year CSTMA Spread:  Spread 4.75% 
• 1 Year Fixed Account:  Rate 1.50%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Income Annuity Group B 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation :  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 7.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Income Annuity Group C 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation :  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 7.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Income Annuity Group D 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation :  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 7.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Protection Choice^SM Group A 15,000+

• S&P 500 Monthly Cap:  Cap 1.75% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.75% 
• 1-Year S&P 500 Point-to-Point Participation :  Part Rate 26%
• 2-Year S&P 500 Point-to-Point Participation :  Part Rate 37%
• 1-Year CSTMAI Point-to-Point Spread:  Spread 0.75% 
• 2-Year CSTMAI Point-to-Point Spread: 
• 1-Year Fixed Account:  Rate 2.75%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 113%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 155%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 63%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 86%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 21%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 31%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 43%
• 1 Year S&P 500 Par With Fee:  Part Rate 36%
• 2 Year S&P 500 Par With Fee:  Part Rate 51%

Nassau Personal Protection Choice^SM Group B 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation :  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation :  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread :  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Protection Choice^SM Group C 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation :  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation :  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread :  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Protection Choice^SM Group D 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation :  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation :  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread :  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Retirement Choice with Income Group A 15,000+

• Monthly S&P 500 with Cap:  Cap 1.15% 
• 1-Year S&P 500 with Cap:  Cap 2.50% 
• 1-Year S&P 500 with PR:  Part Rate 20%
• 2-Year S&P 500 with PR:  Part Rate 30%
• 1-Year CSTMAI Spread:  Spread 4.75% 
• 2-Year CSTMAI Spread:  Spread 4.75% 
• 1 Year Fixed Account:  Rate 1.50%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Retirement Choice with Income Group B 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 7.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice with Income Group C 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 7.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice^SM Group A 15,000+

• Monthly S&P 500 with Cap:  Cap 1.15% 
• 1-Year S&P 500 with Cap:  Cap 2.50% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 20%
• 2-Year S&P 500 with Participation Rate:  Part Rate 30%
• 1-Year CSTMAI Spread:  Spread 4.75% 
• 2-Year CSTMAI Spread:  Spread 4.75% 
• Fixed Account:  Rate 1.50%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Retirement Choice^SM Group B 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 7.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice^SM Group C 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 16%
• 2-Year S&P 500 with Participation Rate:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 7.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate :  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

MYGA

• Nassau MYAnnuity 5X 0% Free 10,000+  5.30%
• Nassau MYAnnuity 5X 10% Free 10,000+  5.10%
• Nassau MYAnnuity 7X 0% Free 10,000+  5.40%
• Nassau MYAnnuity 7X 10% Free 10,000+  5.20%
• Nassau Simple Annuity 4 5,000+  5.05%
• Nassau Simple Annuity 6 5,000+  5.30%

Oxford Life Insurance Company

Fixed Indexed Annuity

Royal Select 10,000+

• 1 Year Fixed Account Strategy:  Rate 3.65%
• 1 Year Monthly Average Strategy:  Cap 6.50% 
• 1 Year Annual Point-to-Point Strategy:  Cap 6.50% 

Select 10 10,000+

• 1 Year Fixed Account Strategy :  Rate 4.50%
• 1 Year S&P 500 Monthly Average :  Cap 8.60% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.60% 

Select 3 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 7.10% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.10% 
• 1 Year Fixed Account Strategy :  Rate 4.05%

Select 5 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 8.10% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.10% 
• 1 Year Fixed Account Strategy :  Rate 4.35%

Select 7 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 8.35% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.35% 
• 1 Year Fixed Account Strategy :  Rate 4.35%

Silver Select 10,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.50% 
• 1 Year S&P 500 Annual Monthly Average:  Cap 7.50% 
• 1 Year Fixed Account Strategy:  Rate 4.10%

MYGA

• Multi-Select 10 20,000+  5.00%
• Multi-Select 3 20,000+  4.45%
• Multi-Select 4 20,000+  4.70%
• Multi-Select 5 20,000+  4.70%
• Multi-Select 6 20,000+  5.00%
• Multi-Select 7 20,000+  4.90%
• Multi-Select 8 20,000+  4.95%
• Multi-Select 9 20,000+  4.95%

Protective Life

MYGA

• Balance Annuity 5 MYGA 10,000+  1.30% w/ 2.50% Bonus
• Balance Annuity 5 MYGA 100,000+  1.40% w/ 2.50% Bonus
• Balance Annuity 5 MYGA with ROP 10,000+  1.30% w/ 1.00% Bonus
• Balance Annuity 5 MYGA with ROP 100,000+  1.40% w/ 1.00% Bonus
• Secure Saver 5 10,000+  3.05%
• Secure Saver 5 25,000+  3.95%
• Secure Saver 5 75,000+  4.15%
• Secure Saver 7 10,000+  3.35%
• Secure Saver 7 25,000+  4.00%
• Secure Saver 7 75,000+  4.20%

November 3, 2022 – Effective Date of Change

Oceanview Life and Annuity

Fixed Indexed Annuity

Harbourview FIA 10 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 10.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8.00% 
• 1 Year Fixed Rate Account:  Rate 5.00%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 40%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 210%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 300%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 10.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 10.25% 

Harbourview FIA 10 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 10.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 30%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 8.00% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 32%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 210%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 300%
• 1 Year Fixed Rate Account:  Rate 5.00%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 10.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 10.25% 

Harbourview FIA 3 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 5.00% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 15%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 27%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4.00% 
• 1 Year Fixed Account:  Rate 3.00%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 100%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 150%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 5.00% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 5.00% 

Harbourview FIA 3 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 5.00% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 14%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 22%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4.00% 
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 100%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 150%
• 1 Year Fixed Account:  Rate 3.00%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 5.00% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 5.00% 

Harbourview FIA 5 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.00% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 30%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5.00% 
• 1 Year Fixed Account:  Rate 3.50%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 35%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 120%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 180%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.00% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.00% 

Harbourview FIA 5 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.00% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 25%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5.00% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 27%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 120%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 180%
• 1 Year Fixed Account:  Rate 3.50%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.00% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.00% 

Harbourview FIA 7 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.50% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 30%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6.00% 
• 1 Year Fixed Account:  Rate 4.00%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 35%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 190%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 275%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.50% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.50% 

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 9.50% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 25%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6.00% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 27%
• 1 Year Credit Suisse Retiree Balanced Index Annual Point to Point w/ Participation :  Part Rate 190%
• 2 Year Credit Suisse Retiree Balanced Index Point to Point w/ Participation Rate :  Part Rate 275%
• 1 Year Fixed Account:  Rate 4.00%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 9.50% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 9.50% 

November 7, 2022 – Effective Date of Change

American General Life Insurance Company

Fixed Indexed Annuity

Power 10 Protector 25,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 10.50% 
• 1 Year Fixed Account:  Rate 4.90%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 46%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 185%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 285%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 260%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 360%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 61%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 140%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 195%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 135%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 95%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 95%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 130%

Power 10 Protector 100,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 11.50% 
• 1 Year Fixed Account:  Rate 4.90%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 51%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 200%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 300%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 275%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 375%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 66%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 165%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 220%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 160%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 110%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 110%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 145%

Power 10 Protector Plus Income 25,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 10.50% 
• 1 Year Fixed Account:  Rate 4.90%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 46%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 185%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 285%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 95%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 260%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 360%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 61%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 140%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 195%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 135%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 95%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 130%

Power 10 Protector Plus Income 100,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 11.50% 
• 1 Year Fixed Account:  Rate 4.90%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 51%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 200%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 300%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 110%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 275%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 375%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 66%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 165%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 220%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 160%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 110%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 145%

Power 5 Protector 25,000+

• 1 Year S&P 500 Annual Point-to-Point :  Cap 10.00% 
• 1 Year S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 42%
• 5 Year S&P 500 Annual Point-to-Point :  Cap 60.00% 
• 1 Year PIMCO Global Optima Index Participation Rate:  Part Rate 60%
• 1 Year ML Strategic Balance Index Participation Rate:  Part Rate 85%
• 1 Year Fixed Account:  Rate 4.40%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 165%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 265%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 240%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 340%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 57%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 130%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 175%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 125%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 85%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 85%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 115%

Power 5 Protector 100,000+

• 1 Year S&P 500 Annual Point-to-Point :  Cap 10.00% 
• 1 Year S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 42%
• 5 Year S&P 500 Annual Point-to-Point :  Cap 60.00% 
• 1 Year PIMCO Global Optima Index Participation Rate:  Part Rate 75%
• 1 Year ML Strategic Balance Index Participation Rate:  Part Rate 110%
• 1 Year Fixed Account:  Rate 4.40%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 180%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 280%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 255%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 355%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 57%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 155%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 200%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 150%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 100%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 100%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 130%

Power 7 Protector 25,000+

• 1 Year Fixed Interest Account:  Rate 4.65%
• 1 year S&P 500 Annual Point to Point:  Cap 10.25% 
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 45%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 275%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 250%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 350%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 60%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 135%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 190%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 130%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 90%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 90%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 125%

Power 7 Protector 100,000+

• 1 Year Fixed Interest Account:  Rate 4.65%
• 1 year S&P 500 Annual Point to Point:  Cap 11.25% 
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 49%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 190%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 290%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 265%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 365%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 64%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 160%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 215%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 155%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 105%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 105%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 140%

Power 7 Protector Plus Income 25,000+

• 1-Year S&P 500 Annual Point-to-Point Account:  Cap 10.25% 
• 1 Year Fixed Account:  Rate 4.65%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 45%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 275%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 250%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 350%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 60%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 135%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 190%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 130%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 90%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 125%

Power 7 Protector Plus Income 100,000+

• 1-Year S&P 500 Annual Point-to-Point Account:  Cap 11.25% 
• 1 Year Fixed Account:  Rate 4.65%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 49%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 190%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 290%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 105%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 265%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate :  Part Rate 365%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 64%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 160%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 215%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 155%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 105%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 140%

Power Select Builder 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 10.50% 
• 1-Year Fixed Interest Account:  Rate 4.90%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 46%
• 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 37%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 175%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 280%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 225%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 330%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 275%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 380%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 175%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 280%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 225%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 330%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 275%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 380%
• 2-Year PIMCO Global Optima Index Participation:  Part Rate 95%

Power Select Builder 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 11.50% 
• 1-Year Fixed Interest Account:  Rate 4.90%
• 2-Year MLStrategic Balanced Index with Spread: 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 52%
• 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 42%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 200%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 300%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 250%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 350%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 300%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 400%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 200%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 300%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 250%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 350%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 300%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 400%
• 2-Year PIMCO Global Optima Index Participation:  Part Rate 110%

Power Select Builder 8 25,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 5.75% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 29%
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participaiton:  Part Rate 105%
• 2- Year PIMCO Global Optima Index Point-to-Point w/ Participation:  Part Rate 60%
• 1 Year Fixed Account:  Rate 3.75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 50%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 125%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 175%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 175%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 225%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 225%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 275%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 125%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 175%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 175%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 225%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 225%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 275%

Power Select Builder 8 100,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 6.50% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 32%
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participaiton:  Part Rate 115%
• 2- Year PIMCO Global Optima Index Point-to-Point w/ Participation:  Part Rate 75%
• 1 Year Fixed Account:  Rate 3.75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 65%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 150%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 200%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 200%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 250%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 250%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 300%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 150%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 200%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 200%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 250%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 250%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 300%

Power Select Plus Income 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.25% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 0.50% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 38%
• 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 22%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.50%  Part Rate 155%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 205%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 155%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 205%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 60%

Power Select Plus Income 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 7.00% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread : 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 42%
• 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 27%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.50%  Part Rate 175%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.50%  Part Rate 225%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 175%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 225%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 75%

Power Select Plus Income with Multiplier® 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 5.50% 
• 2-Year MLStrategic Balanced Index with Spread :  Spread 0.50% 
• 1-Year Fixed Interest Account:  Rate 2.70%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 37%
• 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 21%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.50%  Part Rate 105%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 155%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 105%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 155%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 55%

Power Select Plus Income with Multiplier® 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 6.25% 
• 2-Year MLStrategic Balanced Index with Spread : 
• 1-Year Fixed Interest Account:  Rate 2.70%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 41%
• 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 26%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.50%  Part Rate 125%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 175%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 125%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 175%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 70%