On The Move – September 17, 2024

September 18, 2024 – Effective Date of Change

Aspida

Fixed Indexed Annuity

Synergy Choice Bonus 10 25,000+

• 1-Year Fixed Account Rate:  Rate: 2.5%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 4.75% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 9.75% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 35%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 44%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 56%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 81%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 145%
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 5.5% 
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 85%
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 3.25% 
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 8.5% 
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 37%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 30%

Synergy Choice Bonus 10 100,000+

• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 33%
• 2-Year Nasdaq 100 Growth Point to Point Participation Rate:  Part Rate 40%
• 2-Year Nasdaq 100 Growth Point to Point Cap Rate:  Cap 10% 
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4% 
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 90%
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 7% 
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 155%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 215%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 88%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 61%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.25% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 38%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.5% 
• 1-Year Fixed Account Rate:  Rate: 2.75%

Synergy Choice Bonus 10 CA 25,000+

• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 6% 
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4% 
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 32%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 87%
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 39%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 10% 
• 1-Year Fixed Account Rate:  Rate: 2.65%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.75% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.25% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 35%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 46%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 59%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 83%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 150%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 205%

Synergy Choice Bonus 10 CA 100,000+

• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 220%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 160%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 90%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 64%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 49%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 38%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 12.75% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 6.5% 
• 1-Year Fixed Account Rate:  Rate: 2.9%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 11.5% 
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 42%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 92%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 35%
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 5% 
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 8% 

Synergy Choice Income 25,000+

• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 5% 
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 3.5% 
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 27%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 75%
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 32%
• 2-Year Nasdaq 100 Growrth 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%
• 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 77%

Synergy Choice Income 100,000+

• 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 85%
• 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 Growrth Point to Point Cap Rate:  Cap 9% 
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 35%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 80%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 30%
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4.25% 
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 6% 

Synergy Choice Max 10 25,000+

• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 8.25% 
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 47%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 128%
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 57%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 18.5% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.75% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 54%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 148%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 225%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 300%

Synergy Choice Max 10 100,000+

• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 315%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 235%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 155%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 100%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 20% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.5% 
• 1-Year Fixed Account Rate:  Rate: 4.5%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 20% 
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 60%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 135%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 50%
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 9% 
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 22% 

Synergy Choice Max 5 25,000+

• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 15% 
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 8.25% 
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 47%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 128%
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 57%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 18.5% 
• 1-Year Fixed Account Rate:  Rate: 4.25%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.75% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 54%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 300%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 148%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 225%

Synergy Choice Max 5 100,000+

• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 235%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 155%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 315%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 100%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70%
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57%
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 20% 
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.5% 
• 1-Year Fixed Account Rate:  Rate: 4.5%
• 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 20% 
• 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 60%
• 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 135%
• 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 50%
• 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 9% 
• 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 22% 

Lincoln Financial Group

Lincoln OptiBlend 10 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread :  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.2%
• 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 Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 

Lincoln OptiBlend 10 CA 10,000+

• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 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 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: 3%

Lincoln OptiBlend 10 CA 100,000+

• 1-Year Fixed Account:  Rate: 3.25%
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 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: 3.35%

Lincoln OptiBlend 5 100,000+

• 1-Year Fixed Account:  Rate: 3.5%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8% 
• 1-Year S&P 500 Participation :  Part Rate 50%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 
• 1-Year S&P 500 Performance Triggered :  Cap 8% 

Lincoln OptiBlend 5 CA 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 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 BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7% 
• 1-Year Fixed Account:  Rate: 2.75%

Lincoln OptiBlend 5 CA 100,000+

• 1-Year Fixed Account:  Rate: 3%
• 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 Participation :  Part Rate 45%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.2%
• 1-Year S&P 500 Participation:  Part Rate 45%

Lincoln OptiBlend 7 100,000+

• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year Fixed Account:  Rate: 3.35%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 
• 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 7.75% 

Lincoln OptiBlend 7 CA 10,000+

• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1-Year Fixed Account:  Rate: 2.75%
• 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 7 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 Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 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 7.5% 

September 21, 2024 – Effective Date of Change

Farmers Life Insurance Company

MYGA

• Farmers Safeguard Plus 10 10,000+  5.35%
• Farmers Safeguard Plus 3 10,000+  5.20%
• Farmers Safeguard Plus 5 10,000+  5.45%
• Farmers Safeguard Plus 7 10,000+  5.40%

Reliance Standard Life

• Reliance Guarantee – 10 20,000+  4.30%
• Reliance Guarantee – 5 20,000+  4.50%
• Reliance Guarantee – 7 20,000+  4.50%