On The Move – October 31, 2023

Trick or treat! Athene rates have increased! 

They have also just announced a .50% bonus commission on FIA’s. We’ve attached fliers with all of the details on rate and commission hikes, but here are just a couple of samples:

These are just a couple of samples of the market-leading rates. Click below to download all the updated rates and for all the details on the commission increase. Neither will last forever, so don’t delay getting the latest and most current information in your hands today! Better yet, call your IAMS Annuity Sales Director at 800-255-5055 to get more details or to request illustrations and licensing. We have also included a flier on how your Athene business receives double credits toward 2 great IAMS travel destinations! Call or click below and let’s get you started. And scroll down to see more great rates from our trusted carrier partners.

November 1, 2023 – Effective Date of Change

American National Insurance Company

Fixed Annuity

• Century Plus 5,000+  4.49% w/ 5.00% Bonus
• Century Plus 100,000+  4.59% w/ 5.00% Bonus
• Palladium Group Fixed Deferred 0+  3.60%
• Wealth Quest Citadel 5 Diamond 5,000+  4.65% w/ 1.00% Bonus
• Wealth Quest Citadel 5 Diamond 100,000+  4.75% w/ 1.00% Bonus
• Wealth Quest Citadel 7 Diamond 5,000+  4.78% w/ 2.00% Bonus
• Wealth Quest Citadel 7 Diamond 100,000+  4.88% w/ 2.00% Bonus

Fixed Indexed Annuity

Strategy Indexed Annuity PLUS 10 10,000+

• 1 Year S&P 500 Annual Point-to-Point With 100% PR:  Cap 10.000%  Part Rate 100%
• 1 Year S&P 500 Monthly Point-to-Point:  Cap 3.650% 
• 1 Year S&P 500 Performance with a Specified Rate:  Cap 6.500% 
• 1 Year S&P 500 Annual Point-to-Point 50% PR :  Cap 15.000%  Part Rate 50%
• 1 Year S&P 500 Annual Point-to-Point Uncapped PR:  Part Rate 50%
• 1 Year Declared Rate:  Rate: 4.50%
• 1 Year S&P MARC 5% ER Low Volatility Participation:  Part Rate 210%
• 1 Year Nasdaq 100 – Growth Cap 100% Participation Cap:  Cap 10.000%  Part Rate 100%

Strategy Indexed Annuity PLUS 7 10,000+

• 1 Year S&P MARC 5% ER Low Volatility Participation:  Part Rate 205%
• 1 Year Nasdaq 100 – Growth Cap 100% Participation Cap:  Cap 9.500%  Part Rate 100%
• 1 Year S&P 500 Annual Point-to-Point with 100% PR:  Cap 9.500%  Part Rate 100%
• 1 Year S&P 500 Monthly Point-to-Point:  Cap 3.500% 
• 1 Year S&P 500 Performance with a Specified Rate:  Cap 6.250% 
• 1 Year S&P 500 Annual Point-to-Point 50% PR :  Cap 12.000%  Part Rate 50%
• 1 Year S&P 500 Annual Point-to-Point Uncapped PR:  Part Rate 45%
• 1 Year Declared Rate:  Rate: 4.25%

MYGA

• Palladium MYG Annuity 10 5,000+  5.20%
• Palladium MYG Annuity 10 100,000+  5.30%
• Palladium MYG Annuity 10 250,000+  5.45%
• Palladium MYG Annuity 3 5,000+  4.90%
• Palladium MYG Annuity 3 100,000+  5.00%
• Palladium MYG Annuity 3 250,000+  5.15%
• Palladium MYG Annuity 5 5,000+  5.00%
• Palladium MYG Annuity 5 100,000+  5.10%
• Palladium MYG Annuity 5 250,000+  5.25%
• Palladium MYG Annuity 6 5,000+  5.00%
• Palladium MYG Annuity 6 100,000+  5.10%
• Palladium MYG Annuity 6 250,000+  5.25%
• Palladium MYG Annuity 7 5,000+  5.20%
• Palladium MYG Annuity 7 100,000+  5.30%
• Palladium MYG Annuity 7 250,000+  5.45%
• Palladium MYG Annuity 8 5,000+  5.20%
• Palladium MYG Annuity 8 100,000+  5.30%
• Palladium MYG Annuity 8 250,000+  5.45%
• Palladium MYG Annuity 9 5,000+  5.20%
• Palladium MYG Annuity 9 100,000+  5.30%
• Palladium MYG Annuity 9 250,000+  5.45%

Delaware Life

Fixed Indexed Annuity

Growth Pathway 5 10,000+

• 1 Year S&P 500 Point to Point Cap:  Cap 7.750% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 50%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 65%
• 1 Year S&P 500 Performance Trigger:  Cap 6.250% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 100%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 105%
• 1 Year Fixed Account:  Rate: 4.40%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 110%
• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 7.250% 
• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 5.750% 

Growth Pathway 5 25,000+

• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 7.250% 
• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 9.000% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 160%
• 1 Year Fixed Account:  Rate: 4.65%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 145%
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 140%
• 1 Year S&P 500 Performance Trigger:  Cap 8.000% 
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 70%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 55%
• 1 Year S&P 500 Point to Point Cap:  Cap 9.750% 

Growth Pathway 5 100,000+

• 1 Year S&P 500 Point to Point Cap:  Cap 10.250% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 60%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 75%
• 1 Year S&P 500 Performance Trigger:  Cap 8.750% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 150%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 160%
• 1 Year Fixed Account:  Rate: 4.75%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 175%
• 1 Year S&P 500 Point to Point Cap and 5 Year Rate Lock:  Cap 9.250% 
• 1 Year S&P 500 Perfomance Trigger and 5 Year Rate Lock:  Cap 7.750% 

Growth Pathway 7 10,000+

• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 7.250% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 110%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 105%
• 1 Year S&P 500 Point to Point Cap:  Cap 7.750% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 50%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 65%
• 1 Year S&P 500 Performance Trigger:  Cap 6.250% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 100%
• 1 Year Fixed Account:  Rate: 4.40%
• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 5.750% 

Growth Pathway 7 25,000+

• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 7.250% 
• 1 Year Fixed Account:  Rate: 4.65%
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 140%
• 1 Year S&P 500 Performance Trigger:  Cap 8.000% 
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 70%
• 1 Year S&P 500 Point to Point Participation :  Part Rate 55%
• 1 Year S&P 500 Point to Point Cap:  Cap 9.750% 
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 145%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 160%
• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 9.000% 

Growth Pathway 7 100,000+

• 1 Year S&P 500 Point to Point Cap and 7 Year Rate Lock:  Cap 9.250% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point Participation:  Part Rate 175%
• 1 Year First Trust Capital Strength 5% Point to Point Participation:  Part Rate 160%
• 1 Year S&P 500 Point to Point Cap:  Cap 10.250% 
• 1 Year S&P 500 Point to Point Participation :  Part Rate 60%
• 1 Year S&P 500 Point to Point Participation and Spread:  Spread 2.00%  Part Rate 75%
• 1 Year S&P 500 Performance Trigger:  Cap 8.750% 
• 1 Year Morgan Stanley Global Opportunities Point to Point Participation:  Part Rate 150%
• 1 Year Fixed Account:  Rate: 4.75%
• 1 Year S&P 500 Perfomance Trigger and 7 Year Rate Lock:  Cap 7.750% 

Retirement Stages Select 5 25,000+

• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.000% 
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 70%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 150%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 140%
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 165%
• 1 Year Fixed Account:  Rate: 5.00%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.250% 

Retirement Stages Select 5 100,000+

• 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.750% 
• 1 Year Fixed Account:  Rate: 5.25%
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 175%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 150%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 75%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.500% 

Retirement Stages Select 7 25,000+

• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 140%
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 165%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.250% 
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 70%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.000% 
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 150%
• 1 Year Fixed Account:  Rate: 5.00%

Retirement Stages Select 7 100,000+

• 1 Year Fixed Account:  Rate: 5.25%
• 1-Year First Trust Capital Strength Barclays 5% Point-to-Point with Participation Rate:  Part Rate 160%
• 1-Year S&P 500 r Point-to-Point Performance Trigger:  Cap 8.500% 
• 1-Year S&P 500 Point-to-Point w/Participation Rate and Spread:  Spread 2.00%  Part Rate 75%
• 1-Year S&P 500 Point-To-Point with Cap:  Cap 9.750% 
• 1-Year RBA Select Equity Yield CIBC 5% Point-to-Point with Participation Rate:  Part Rate 175%
• 1-Year Morgan Stanley Global Opportunities Point-to-Point with Participation Rate:  Part Rate 150%

Target Growth 10 25,000+

• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 65%
• 1 Year S&P 500 Performance Trigger:  Cap 7.750% 
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 160%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 140%
• 1 Year Fixed Account:  Rate: 4.50%
• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.500% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 45%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 150%

Target Growth 10 100,000+

• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 165%
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50%
• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 10.000% 
• 1 Year Fixed Account:  Rate: 4.75%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 155%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 175%
• 1 Year S&P 500 Performance Trigger:  Cap 8.500% 
• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 75%

Target Income 10 25,000+

• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 115%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 105%
• 1 Year S&P 500 with Cap:  Cap 5.500% 
• 1 Year Fixed Account:  Rate: 3.25%
• 1 Year S&P 500 with Participation:  Part Rate 27%
• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 105%

Target Income 10 100,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 120%
• 1 Year S&P 500 with Participation:  Part Rate 30%
• 1 Year Fixed Account:  Rate: 3.40%
• 1 Year S&P 500 with Cap:  Cap 5.750% 
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 120%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 125%

Target Income 10 500,000+

• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 130%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 125%
• 1 Year S&P 500 with Cap:  Cap 6.000% 
• 1 Year Fixed Account:  Rate: 3.50%
• 1 Year S&P 500 with Participation:  Part Rate 32%
• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 125%

Liberty Bankers Life

Fixed Annuity

• Liberty Choice 5,000+  4.45% w/ 1.00% Bonus
• Liberty Select 5,000+  4.51% w/ 1.50% Bonus

MYGA

• Bankers 3 10,000+  4.85%
• Bankers 5 10,000+  5.00%
• Bankers 5 Premier 10,000+  5.30%
• Bankers 5 Premier Plus 10,000+  5.30% w/ 1.00% Bonus
• Bankers 7 10,000+  5.00%
• Bankers 7 Premier 10,000+  5.30%
• Bankers Elite 3 10,000+  4.95%
• Bankers Elite 5 10,000+  5.35%
• Bankers Elite 7 10,000+  5.35%
• Bankers Elite 9 10,000+  5.40%

Oxford Life Insurance Company

Fixed Indexed Annuity

Royal Select 10,000+

• 1 Year Fixed Account Strategy:  Rate: 4.35%
• 1 Year Monthly Average Strategy:  Cap 8.500% 
• 1 Year Annual Point-to-Point Strategy:  Cap 8.500% 

Select 10 10,000+

• 1 Year Fixed Account Strategy :  Rate: 5.15%
• 1 Year S&P 500 Monthly Average :  Cap 9.800% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 9.800% 

Select 3 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 8.700% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.700% 
• 1 Year Fixed Account Strategy :  Rate: 4.90%

Select 5 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 9.200% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 9.200% 
• 1 Year Fixed Account Strategy :  Rate: 5.00%

Select 7 20,000+

• 1 Year S&P 500 Monthly Average :  Cap 9.600% 
• 1 Year S&P 500 Annual Point-to-Point:  Cap 9.600% 
• 1 Year Fixed Account Strategy :  Rate: 5.10%

Silver Select 10,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 9.150% 
• 1 Year S&P 500 Annual Monthly Average:  Cap 9.150% 
• 1 Year Fixed Account Strategy:  Rate: 4.75%

MYGA

• Multi-Select 10 20,000+  5.85%
• Multi-Select 3 20,000+  5.50%
• Multi-Select 4 20,000+  5.70%
• Multi-Select 5 20,000+  5.65%
• Multi-Select 6 20,000+  5.70%
• Multi-Select 7 20,000+  5.60%
• Multi-Select 8 20,000+  5.75%
• Multi-Select 9 20,000+  5.80%

November 6, 2023 – Effective Date of Change

American General Life Insurance Company

Fixed Indexed Annuity

Power Select Builder 25,000+

• 2-Year PIMCO Global Optima Index Participation:  Part Rate 88%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 8.350% 
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 185%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 285%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 235%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 335%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 285%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 385%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 185%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 285%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 235%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 1:  Part Rate 335%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 285%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 385%
• 1 Year Russell 2000 Annual Point to Point :  Part Rate 32%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 1.00% 
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 58%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 43%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 87%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 11.250% 
• 1-Year Fixed Interest Account:  Rate: 5.20%

Power Select Builder 100,000+

• 1-Year Fixed Interest Account:  Rate: 5.45%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 12.250% 
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 112%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 49%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 68%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 1 Year Russell 2000 Annual Point to Point :  Part Rate 37%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 405%
• 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 1:  Part Rate 355%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 305%
• 1 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 Participation Rate :  Part Rate 200%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 405%
• 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 1:  Part Rate 355%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 250%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 305%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 200%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 9.350% 
• 2-Year PIMCO Global Optima Index Participation:  Part Rate 103%

Power Select Builder 8 25,000+

• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 4.700% 
• 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 280%
• 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 180%
• 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 230%
• 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 280%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 43%
• 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 180%
• 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 230%
• S&P 500 Annual Point-to-Point w/ Cap:  Cap 6.050% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 25%
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participaiton:  Part Rate 90%
• 1 Year Fixed Account:  Rate: 3.40%
• 2- Year PIMCO Global Optima Index Point-to-Point w/ Participation:  Part Rate 53%

Power Select Builder 8 100,000+

• 2- Year PIMCO Global Optima Index Point-to-Point w/ Participation:  Part Rate 68%
• 1 Year Fixed Account:  Rate: 3.55%
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participaiton:  Part Rate 100%
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 28%
• S&P 500 Annual Point-to-Point w/ Cap:  Cap 6.800% 
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 255%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 1:  Part Rate 200%
• 2-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 205%
• 1-Year Dimensional US Foundations Point-to-Point Participation Rate:  Part Rate 150%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 58%
• 2 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 305%
• 1 Year AB All Market Index Point to Point Enhanced Participation Rate Tier 2:  Part Rate 255%
• 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 1:  Part Rate 200%
• 2 Year AB All Market Index Point to Point Participation Rate :  Part Rate 205%
• 1 Year AB All Market Index Point to Point Participation Rate :  Part Rate 150%
• 2-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 305%
• 1-Year Dimensional US Foundations Point-to-Point Enhanced Participation Tier 2:  Part Rate 250%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 5.450% 

Power Select Plus Income 25,000+

• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 3.250% 
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 50%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 145%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 195%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 195%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 2.00% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 31%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 65%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 44%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.250% 
• 1-Year Fixed Interest Account:  Rate: 2.50%
• 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 0.50%  Part Rate 145%

Power Select Plus Income 100,000+

• 1 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.50%  Part Rate 165%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 25%
• 1-Year Fixed Interest Account:  Rate: 2.75%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.000% 
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 52%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 90%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 35%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 1.50% 
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 215%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 215%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 165%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 65%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 4.000% 

Power Select Plus Income with Multiplier® 25,000+

• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 3.250% 
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 50%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 145%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 195%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.50%  Part Rate 145%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 195%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 2.00% 
• 1-Year Fixed Interest Account:  Rate: 2.50%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 5.250% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 31%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 65%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 39%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 20%

Power Select Plus Income with Multiplier® 100,000+

• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 25%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 52%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 90%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 35%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 6.000% 
• 2-Year MLStrategic Balanced Index with Spread :  Spread 1.50% 
• 1-Year Fixed Interest Account:  Rate: 2.75%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1.00%  Part Rate 215%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.50%  Part Rate 165%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1.00%  Part Rate 215%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.50%  Part Rate 165%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 65%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 4.000%