On The Move – October 8, 2024

October 10, 2024 – Effective Date of Change

Fidelity & Guaranty Life

Fixed Indexed Annuity

FG Accelerator Plus 10 10,000+

• 1-Year S&P 500 Monthly Point-to-Point with Charge:  Cap 3.05% 
• 1-Year S&P 500 Point-to-Point with Cap with Charge:  Cap 10% 
• 1-Year Index Gain Option with Declared Rate with Charge:  Cap 7% 
• 2-Year Barclays Trailblazer Sectors 5 Index with Charge:  Part Rate 265%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.3% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.25% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.25% 
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 225%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year S&P 500 Annual Point-to-Point with Participation Rate with Charge:  Part Rate 45%
• 1-Year Balanced Asset 5 Index with Spread & Par :  Spread 1%  Part Rate 160%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 230%
• 1-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 215%
• 2-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 270%
• 1-Year GS Global Factor Point to Point Par:  Part Rate 165%
• 1-Year GS Global Factor Point to Point Par with Charge:  Part Rate 225%
• 2-Year GS Global Factor Point to Point Par with Charge:  Part Rate 285%
• 2-Year GS Global Factor Point to Point Par & Spread:  Part Rate 245%
• 1-Year Balanced Asset 10 Point to Point Participation:  Part Rate 85%
• 1-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5.5%  Part Rate 155%
• 2-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5%  Part Rate 170%
• 2-Year Balanced Asset 10 Index with Spread & Par with Charge:  Spread 5%  Part Rate 200%
• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 175%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 125%

FG Accelerator Plus 14 10,000+

• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 180%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 130%
• 1-Year Balanced Asset 10 Point to Point Participation:  Part Rate 90%
• 1-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5.5%  Part Rate 160%
• 2-Year Balanced Asset 10 Point to Point with Spread & Par :  Spread 5%  Part Rate 180%
• 2-Year Balanced Asset 10 Index with Spread & Par with Charge:  Spread 5%  Part Rate 210%
• 1-Year GS Global Factor Point to Point Par:  Part Rate 170%
• 1-Year GS Global Factor Point to Point Par with Charge:  Part Rate 230%
• 2-Year GS Global Factor Point to Point Par with Charge:  Part Rate 295%
• 2-Year GS Global Factor Point to Point Par & Spread:  Part Rate 250%
• 1-Year Balanced Asset 5 Index with Spread & Par :  Part Rate 165%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 240%
• 1-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 220%
• 2-Year Balanced Asset 5 Index with Par with Charge:  Part Rate 280%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 2.35% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.5% 
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 230%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year S&P 500 Monthly Point-to-Point with Charge:  Cap 3.1% 
• 1-Year S&P 500 Point-to-Point with Cap with Charge:  Cap 10.25% 
• 1-Year Index Gain Option with Declared Rate with Charge:  Cap 7.25% 
• 2-Year Barclays Trailblazer Sectors 5 Index with Charge:  Part Rate 270%
• 1-Year S&P 500 Annual Point-to-Point with Participation Rate with Charge:  Part Rate 45%

Performance Pro with GMWB 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 185%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 1.95% 
• 1-Year S&P 500 Annual Point-to-Point:  Cap 6% 
• 2-Year S&P 500 Point-to-Point:  Cap 9.75% 
• 3-Year S&P 500 Point-to-Point:  Cap 16% 
• 1-Year Gold Point-to-Point:  Cap 7% 
• 1-Year Fixed Account:  Rate: 2.75%
• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 145%
• 1-Year Balanced Asset 5 Point to Point Participation:  Part Rate 130%
• 2-Year Balanced Asset 5 Point to Point Participation with Charge:  Part Rate 225%
• 2-Year Balanced Asset 5 Point to Point Participation and Spread:  Part Rate 185%
• 1-Year GS Global Factor Point-to-Point Par :  Part Rate 135%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 200%
• 2-Year GS Global Factor Point to Point Participation with Charge :  Part Rate 245%

Prosperity Elite 10 Enhancement 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 240%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 280%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 260%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 300%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.75% 
• 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 2.35% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 7.75% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.5% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.75% 
• 1 Year Fixed Account :  Rate: 3.75%
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 235%

Prosperity Elite 10 Protection 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 235%
• 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 2.35% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 7.75% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.5% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.75% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.75% 
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 240%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 280%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 260%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 300%

Prosperity Elite 14 Enhancement 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 180%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 265%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 305%
• 1-Year Gold Point-to-Point with a Cap:  Cap 10% 
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 245%
• 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 2.4% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.75% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6% 
• 1 Year Fixed Account :  Rate: 3.75%

Prosperity Elite 14 Protection 10,000+

• 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 2.4% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.75% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6% 
• 1 Year Fixed Account :  Rate: 3.75%
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 245%
• 1-Year Gold Point-to-Point with a Cap:  Cap 10% 
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 180%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 265%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 305%

Prosperity Elite 7 Enhancement 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 165%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 235%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 275%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.5% 
• 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 2.3% 
• 1-Year S&P 500 Monthly Average with Cap :  Cap 7.5% 
• 1-Year S&P 500 Point-to-Point with Cap :  Cap 7.25% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.5% 
• 1 Year Fixed Account :  Rate: 3.75%
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 230%

Prosperity Elite 7 Protection 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 230%
• 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 2.3% 
• 1-Year S&P 500 Monthly Average with Cap :  Cap 7.5% 
• 1-Year S&P 500 Point-to-Point with Cap :  Cap 7.25% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.5% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.5% 
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 165%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 235%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 275%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 290%

MYGA

• FG Guarantee-Platinum 3 20,000+  4.40%
• FG Guarantee-Platinum 5 20,000+  4.60%
• FG Guarantee-Platinum 7 20,000+  4.60%

October 11, 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 4.5% 
• 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 23%
• 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%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 185%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 130%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 5% 
• 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 6% 
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 140%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 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 26%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 10% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.25% 
• 1-Year Fixed Account Rate:  Rate: 2.5%

Synergy Choice Bonus 10 CA 25,000+

• 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 5.5% 
• 1-Year Fixed Account Rate:  Rate: 2.4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.5% 
• 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 23%
• 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 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% 
• 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 26%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.5% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 6.25% 
• 1-Year Fixed Account Rate:  Rate: 2.65%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 7% 
• 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%

Synergy Choice Income 25,000+

• 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 77%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 5% 
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 3.5% 
• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 27%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 75%
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 32%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Fixed Interest Rate:  Rate: 2.5%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 4.5% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 9.5% 
• 1-Year S&P 500 Point to Point Participation Rate:  Part Rate 30%
• 2-Year S&P 500 Point to Point Participation Rate:  Part Rate 35%
• 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 132%
• 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 190%
• 1-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 48%

Synergy Choice Income 100,000+

• 1-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 54%
• 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 205%
• 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 145%
• 2-Year S&P 500 Point to Point Participation Rate:  Part Rate 39%
• 1-Year S&P 500 Point to Point Participation Rate:  Part Rate 33%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 10.5% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.25% 
• 1-Year Fixed Interest Rate:  Rate: 2.75%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 9% 
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 35%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 80%
• 1-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 30%
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 4.25% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 6% 
• 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 85%

Synergy Choice Max 10 25,000+

• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 38%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 123%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 275%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 138%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 54%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 42%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 87%
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 47%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 14% 
• 1-Year Fixed Account Rate:  Rate: 4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.5% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 16.5% 

Synergy Choice Max 10 100,000+

• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 15% 
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 50%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 92%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 45%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 58%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 145%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 290%
• 2-Year Invesco QQQ Growth Point to Point Participation Rate:  Part Rate 130%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 40%
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 8% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 20% 

Synergy Choice Max 5 25,000+

• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 275%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 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 Fixed Account Rate:  Rate: 4%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.5% 
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 54%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 16.5% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 42%
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 7.5% 
• 1-Year Nasdaq 100 Growth 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 Growth Point to Point Participation Rate:  Part Rate 47%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 14% 

Synergy Choice Max 5 100,000+

• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 15% 
• 2-Year Nasdaq 100 Growth 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 Growth Point to Point Participation Rate:  Part Rate 40%
• 1-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 8% 
• 1-Year Invesco QQQ Growth Point to Point Cap Rate:  Cap 20% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 45%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18% 
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 58%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 145%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 92%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 290%

October 14, 2024 – Effective Date of Change

American General Life Insurance Company

Power Select Plus Income 25,000+

• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.5%  Part Rate 95%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1%  Part Rate 125%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 11%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.5%  Part Rate 95%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1%  Part Rate 125%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 16%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 45%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 27%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 4.7% 
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 3.25% 
• 1-Year Fixed Interest Account:  Rate: 1.5%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 2% 
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 30%

Power Select Plus Income 100,000+

• 1-Year Fixed Interest Account:  Rate: 1.75%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 4% 
• 2-Year MLStrategic Balanced Index with Spread :  Spread 4.2% 
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 35%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 70%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 20%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1%  Part Rate 145%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 0.5%  Part Rate 115%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 16%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1%  Part Rate 145%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.5%  Part Rate 115%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 45%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 2.55% 

Power Select Plus Income with Multiplier® 25,000+

• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.5%  Part Rate 65%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1%  Part Rate 85%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 7%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.5%  Part Rate 65%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1%  Part Rate 85%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 7%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 25%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 12%
• 2-Year MLStrategic Balanced Index with Spread :  Spread 4.7% 
• 1-Year Fixed Interest Account:  Rate: 1%
• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 2.25% 
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 2% 
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 20%

Power Select Plus Income with Multiplier® 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account :  Cap 3% 
• 2-Year MLStrategic Balanced Index with Spread :  Spread 4.2% 
• 1-Year Fixed Interest Account:  Rate: 1.25%
• 1-Year PIMCO Global Optima Index with Participation Rate :  Part Rate 25%
• 1-Year ML Strategic Balanced Index with Participation Rate :  Part Rate 50%
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate :  Part Rate 11%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread :  Spread 1%  Part Rate 105%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 0.5%  Part Rate 85%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 12%
• 2-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 1%  Part Rate 105%
• 1-Year Dimensional US Foundation Point to Point Participation with Spread:  Spread 0.5%  Part Rate 85%
• 2-Year PIMCO Global Optima Index Participation :  Part Rate 35%
• 1 Year S&P 500 Annual Point to Point Performance Triggered:  Cap 2.1% 

October 15, 2024 – Effective Date of Change

AuguStar

OrionShield 10 25,000+

• 1-Year S&P 500 Annual Point to Point Cap:  Cap 8.4% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%
• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 7.75% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110%
• 1-Year Fixed Account:  Rate: 3.6%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 155%

OrionShield 10 150,000+

• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 175%
• 1-Year Fixed Account:  Rate: 4.35%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%
• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 8.75% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.4% 

OrionShield 10 Premium Bonus 25,000+

• 1-Year Fixed Account:  Rate: 2.3%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 5.5%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.3% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 70%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 95%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 3.5% 

OrionShield 10 Premium Bonus 150,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.75% 
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.5% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 2.55%

OrionShield 5 25,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.75% 
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 8.4% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 1-Year Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%

OrionShield 5 150,000+

• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.1%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.4% 
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8% 

OrionShield 5 CA 25,000+

• 1-Year Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 8.4% 
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.75% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%

OrionShield 5 CA 150,000+

• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8% 
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.4% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.1%

OrionShield 7 25,000+

• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.5%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 8.4% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%

OrionShield 7 150,000+

• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.4% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.25%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.75% 
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 145%

OrionShield 7 CA 25,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.5% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%
• 1-Year Fixed Account:  Rate: 3.5%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 8.4% 

OrionShield 7 CA 150,000+

• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.4% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.25%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 145%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.75% 

OrionShield 7 Premium Bonus 25,000+

• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.25% 
• 1-Year Fixed Account:  Rate: 2.55%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.5%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.3% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85%

OrionShield 7 Premium Bonus 150,000+

• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.3% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.75%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 3.05%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.25% 
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%

OrionShield 7 Premium Bonus CA 25,000+

• 1-Year Fixed Account:  Rate: 2.55%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.5%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.3% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.25% 

OrionShield 7 Premium Bonus CA 150,000+

• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 6.25% 
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.3% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.75%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 3.05%

OrionShield 9 CA 25,000+

• 1-Year Fixed Account:  Rate: 3.6%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 8.4% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 155%
• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 7.75% 

OrionShield 9 CA 150,000+

• 1-Year Russell 2000 Monthly Averaging Cap:  Cap 8.75% 
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 175%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125%
• 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.4% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4.35%

OrionShield 9 Premium Bonus CA 25,000+

• 1-Year Fixed Account:  Rate: 2.3%
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 5.5%  Part Rate 50%
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.3% 
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 3.5% 
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 70%
• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 95%

OrionShield 9 Premium Bonus CA 150,000+

• 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 115%
• 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85%
• 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.75% 
• 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.5% 
• 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8%  Part Rate 50%
• 1-Year Fixed Account:  Rate: 2.55%

MYGA

• LunarGuard 3 10,000+  4.25%
• LunarGuard 3 100,000+  4.45%
• LunarGuard 5 10,000+  4.25%
• LunarGuard 5 100,000+  4.45%
• LunarGuard 7 10,000+  4.25%

Lincoln Financial Group

Lincoln OptiBlend 10 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 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 Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year S&P 500 Participation:  Part Rate 47%

Lincoln OptiBlend 10 100,000+

• 1-Year S&P 500 Participation:  Part Rate 52%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 3.5%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 

Lincoln OptiBlend 10 CA 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 

Lincoln OptiBlend 10 CA 100,000+

• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.25%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 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 Participation :  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 
• 1-Year Fixed Account:  Rate: 3.2%

Lincoln OptiBlend 5 100,000+

• 1-Year Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8% 
• 1-Year S&P 500 Participation :  Part Rate 52%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 

Lincoln OptiBlend 5 CA 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 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: 2.75%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 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 S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7% 

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 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 Participation:  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 

Lincoln OptiBlend 7 100,000+

• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 3.5%
• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 

Lincoln OptiBlend 7 CA 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 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: 2.75%
• 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 5% Daily Risk Control ER Spread:  Spread 0.25% 

Lincoln OptiBlend 7 CA 100,000+

• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 8% 

Lincoln OptiBlend Advisory 5 10,000+

• 1-Year Fixed Account:  Rate: 3.65%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year S&P 500 Participation :  Part Rate 50%
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.75% 

Lincoln OptiBlend Advisory 5 100,000+

• 1 Year S&P 500 Dual Trigger:  Cap 8% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 8.5% 
• 1-Year S&P 500 Participation :  Part Rate 55%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9% 
• 1-Year Fixed Account:  Rate: 4.25%

Lincoln OptiBlend Advisory 5 CA 10,000+

• 1-Year Fixed Account:  Rate: 3.4%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1 Year S&P 500 Dual Trigger:  Cap 6.25% 
• 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 10% Daily Risk Control Trigger:  Cap 9% 

Lincoln OptiBlend Advisory 5 CA 100,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1 Year S&P 500 Dual Trigger:  Cap 7.5% 
• 1-Year S&P 500 Participation :  Part Rate 50%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 3.9%

Lincoln Set 5 II 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8% 
• 1 Year Fixed Account:  Rate: 2.75%
• 1 Year S&P 500 Performance Triggered:  Cap 5.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.75% 

Lincoln Set 5 II 100,000+

• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1 Year S&P 500 Performance Triggered:  Cap 6.75% 
• 1 Year Fixed Account:  Rate: 3.25%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9%