Growth with Protection
This plan offers:
- Principal Protection**
- 120% of initial, rollover amount as well as all regular contributions from years 1-10
- Annual returns linked to internationally recognized Stock Market indices
Selection of up to five (5) indices selected as performance benchmark for maximum diversification across the globe***
- S&P 500
- MSCI ACWI IMI
- EURO STOXX 50
- S&P Asia 50
- MSCI Emerging Markets IMI
- MSCI EAFE
- MSCI World
- FTSE 100
- Flexibility to make additional contributions at any time to leverage favorable market conditions
- 100% participation in the growth of indices selected as performance benchmark
*Certain conditions apply to the Loyalty Bonus. There is no loyalty bonus credited before the end of year 10. For further information please consult the Trust and Plan documents.
**This protection includes loyalty bonuses. All contributions must be made as per the signed illustration to qualify for the principal protection benefit. The Company utilizes a diversified strategy to derive its principal protection. The investment instruments utilized include, but are not limited to, Structured Notes issued by A-Rated Institutions, Covered Call Strategies, ETF Hedged Covered Calls, and Enhanced Dividend Income Managed Accounts. Structured Notes are issued by Third Party Financial Institutions Rated A or higher by Standard & Poor’s, Moody’s and/or Fitch. The policyholder is facing Issuer/Counterparty and Investment Risk of these Institutions. Insolvency of the Issuer/Counterparty could lead to a partial or total loss of the capital invested by the investor. Partial withdrawals and/or policy loans void the principal protection.
***Each index selected must be available in the chosen plan currency.