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1-year

Index 3-Year Cap Rate Buffer
S&P 500® Index Uncapped 10%
iShares® Russell 2000 ETF 40% 10%
MSCI EAFE Index Uncapped 10%
S&P 500® Index
20% 20%
iShares® Russell 2000 ETF 20% 20%
MSCI EAFE Index 30% 20%
Index 3-Year Cap Rate Buffer
S&P 500® Index 130.00% 10%
Russell 2000® Index 90.00% 10%
MSCI EAFE Index 130.00% 10%
Nasdaq-100® Index  55.00%  10% 
S&P 500® Index 80.00% 15%
Russell 2000® Index 55.00% 15%
MSCI EAFE Index 80.00% 15%
Nasdaq-100® Index  40.00%  15% 

The Nasdaq-100® Index is not available in IN, MO, NJ and NY.

Index 3-Year Cap Rate Buffer
S&P 500® Index 90.00% 10% 
Russell 2000® Index  65.00% 10% 
MSCI EAFE Index 90.00% 10% 
Nasdaq-100® Index  45.00%  10% 
S&P 500® Index 50.00% 15% 
Russell 2000® Index  45.00% 15% 
MSCI EAFE Index 50.00% 15% 
Nasdaq-100® Index  35.00%  15% 

The Nasdaq-100® Index is not available in IN, MO, and NJ.

Index 6-Year Cap Rate Buffer
S&P 500® Index 65% 20%
iShares® Russell 2000 ETF 35% 20%
MSCI EAFE Index 80% 20%
Index 6-Year Cap Rate Buffer
S&P 500® Index 500.00% 10%
Russell 2000® Index 130.00% 10%
MSCI EAFE Index 300.00% 10%
Nasdaq-100® Index  160.00%  10% 
S&P 500® Index 350.00% 15%
Russell 2000® Index 100.00% 15%
MSCI EAFE Index 200.00% 15%
Nasdaq-100® Index  125.00%  15% 
S&P 500® Index 125.00% 25%
Russell 2000® Index 75.00% 25%
MSCI EAFE Index 110.00% 25%
Nasdaq-100® Index  80.00%  25% 

The Nasdaq-100® Index is not available in IN, MO, NJ and NY.

Index Step Rate Buffer
S&P 500® Index 8.00% 10%
Russell 2000® Index 8.50% 10%
MSCI EAFE Index 7.75% 10%
Nasdaq-100® Index  9.75%  10% 
S&P 500® Index  7.50%  15% 
Russell 2000® Index  7.50%  15% 
MSCI EAFE Index  7.00%  15% 
Nasdaq-100® Index  9.00%  15% 

The 1-year Term with Step Rate, 15% Buffer is not available in in IN, MO and NJ.
The Nasdaq-100® Index is not available in IN, MO, and NJ.

Rate
3.50%

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