| Item 31A(b) Historical Limits on Index Gains for Calendar Year 2024 | ||||||||||||||||||||||||||||||||||||||
| New Business Crediting Rates | ||||||||||||||||||||||||||||||||||||||
| Index, Crediting Methods, and Protections Options Combinations | Term | 1/1/2024 | 01/02/2024- 04/14/2024 | 4/15/2024- 6/16/2024 | 6/17/2024- 8/4/2024 | 8/5/2024- 9/2/2024 | 9/3/2024- 10/6/2024 | 10/7/2024- 12/15/2024 | 12/16/2024- 12/31/2024 | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 12.60% | 10.00% | 9.70% | 9.35% | 9.10% | 9.40% | 9.15% | 9.10% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 11.70% | 9.55% | 9.60% | 9.35% | 9.05% | 8.90% | 8.40% | 8.65% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 1 | 17.75% | 13.75% | 13.50% | 12.50% | 12.25% | 12.25% | 12.00% | 12.25% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 1 | 12.75% | 10.00% | 10.25% | 9.75% | 9.25% | 8.75% | 8.75% | 9.00% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 1 | 15.50% | 12.75% | 13.25% | 12.50% | 12.25% | 11.25% | 10.50% | 11.25% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 1 | 23.50% | 18.50% | 18.00% | 16.75% | 16.75% | 16.00% | 14.75% | 15.50% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 19.10% | 11.70% | 10.10% | 10.60% | 10.20% | 11.00% | 10.70% | 10.60% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 21.00% | 12.80% | 11.00% | 11.20% | 10.60% | 11.30% | 11.70% | 10.90% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 1 | 100.00% | 20.00% | 17.00% | 20.00% | 18.75% | 21.00% | 19.00% | 22.50% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 1 | 31.00% | 13.00% | 11.25% | 13.00% | 12.00% | 12.25% | 11.50% | 12.75% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 1 | 100.00% | 35.00% | 24.50% | 25.00% | 20.50% | 24.00% | 100.00% | 25.50% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 1 | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 14.90% | 12.90% | 12.70% | 12.50% | 13.10% | 13.00% | 13.10% | 13.20% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 13.40% | 11.90% | 12.30% | 12.40% | 12.70% | 12.10% | 12.10% | 12.50% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 1 | 24.00% | 19.25% | 19.50% | 18.50% | 19.50% | 19.50% | 19.50% | 19.75% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 1 | 16.25% | 13.00% | 13.00% | 13.00% | 12.75% | 12.00% | 12.50% | 13.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 1 | 19.25% | 16.75% | 18.25% | 18.25% | 18.50% | 17.25% | 17.00% | 18.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 1 | 31.00% | 25.50% | 29.50% | 27.50% | 29.50% | 31.00% | 28.50% | 29.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 11.70% | 9.35% | 9.10% | 8.75% | 8.50% | 8.75% | 8.55% | 8.50% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 11.00% | 8.95% | 8.95% | 8.75% | 8.45% | 8.30% | 7.80% | 8.10% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 1 | 15.50% | 12.25% | 12.00% | 11.25% | 11.00% | 11.00% | 10.75% | 11.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 1 | 11.75% | 9.25% | 9.50% | 9.00% | 8.50% | 8.25% | 7.95% | 8.50% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 1 | 14.00% | 11.50% | 11.75% | 11.25% | 11.00% | 10.25% | 9.50% | 10.25% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 1 | 19.00% | 15.50% | 15.50% | 14.25% | 14.50% | 13.75% | 12.75% | 13.50% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Buffer | 1 | 15.60% | 13.00% | 13.00% | 12.00% | 10.70% | 11.30% | 11.20% | 11.60% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Floor* | 1 | 14.40% | 12.80% | 12.70% | 12.40% | 11.40% | 11.20% | 10.90% | 11.50% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 1 | 44.00% | 24.50% | 21.00% | 21.00% | 17.00% | 19.00% | 19.25% | 21.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 1 | 20.00% | 14.25% | 13.75% | 13.25% | 11.50% | 11.75% | 11.75% | 13.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 1 | 28.50% | 23.00% | 19.75% | 22.50% | 20.00% | 18.50% | 18.00% | 20.50% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 1 | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 225.00% | 125.00% | 100.00% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 100.00% | 82.00% | 80.00% | 72.00% | 62.00% | 55.00% | 58.00% | |||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 125.00% | 115.00% | 100.00% | 85.00% | 70.00% | 70.00% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 145.00% | 105.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 150.00% | 110.00% | 115.00% | 100.00% | 88.00% | 74.00% | 74.00% | |||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 190.00% | 150.00% | 105.00% | 90.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 195.00% | 195.00% | 135.00% | 92.00% | 76.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 96.00% | 92.00% | 84.00% | 75.00% | 66.00% | 64.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 78.00% | 70.00% | 70.00% | 64.00% | 56.00% | 50.00% | 54.00% | |||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 130.00% | 90.00% | 85.00% | 78.00% | 70.00% | 60.00% | 62.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | |||||||||||||||||||||||||||||
| Renewal Crediting Rates for Contracts Issued in 2023 | ||||||||||||||||||||||||||||||||||||||
| Index, Crediting Methods, and Protections Options Combinations | Term | 01/01/2024- 01/16/2024 | 01/17/2024- 02/20/2024 | 2/21/2024- 06/04/2024 | 6/5/2024- 10/15/2024 | 10/16/2024- 11/05/2024 | 11/6/2024- 12/03/2024 | 12/4/2024- 12/31/2024 | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 10.20% | 10.50% | 11.40% | 9.80% | 10.70% | 11.50% | 11.70% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 9.30% | 9.70% | 10.20% | 9.25% | 10.60% | 11.10% | 10.90% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 1 | 13.25% | 13.75% | 16.00% | 13.75% | 16.00% | 19.00% | 21.50% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 1 | 9.50% | 9.50% | 10.75% | 10.00% | 11.75% | 12.75% | 13.25% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 1 | 11.25% | 11.75% | 12.75% | 12.50% | 15.00% | 16.75% | 16.75% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 1 | 15.00% | 16.00% | 18.50% | 17.50% | 23.50% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 11.90% | 16.00% | 10.70% | 11.40% | 12.30% | 13.50% | 13.80% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 11.90% | 18.00% | 11.90% | 12.30% | 13.10% | 13.90% | 14.80% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 1 | 20.50% | 29.00% | 16.25% | 28.00% | 250.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 1 | 13.50% | 18.00% | 11.00% | 15.50% | 17.75% | 24.00% | 31.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 1 | 20.50% | 250.00% | 21.50% | 250.00% | 250.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 1 | 250.00% | 250.00% | 250.00% | 250.00% | 250.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 12.60% | 12.70% | 12.00% | 13.40% | 15.20% | 15.50% | 16.20% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 11.40% | 11.20% | 11.10% | 13.00% | 14.50% | 14.60% | 15.20% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 1 | 17.00% | 17.50% | 17.00% | 21.00% | 25.50% | 29.50% | 32.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 1 | 12.25% | 12.25% | 11.50% | 13.75% | 16.50% | 17.00% | 19.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 1 | 14.75% | 14.50% | 14.75% | 19.50% | 23.00% | 25.00% | 26.50% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 1 | 21.00% | 21.00% | 22.00% | 32.00% | 40.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 9.50% | 9.80% | 8.60% | 9.15% | 10.10% | 10.80% | 10.90% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 8.70% | 9.05% | 8.20% | 8.65% | 9.90% | 10.40% | 10.20% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 1 | 11.75% | 11.75% | 10.75% | 12.25% | 13.75% | 15.75% | 16.75% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 1 | 9.00% | 9.00% | 8.00% | 9.25% | 10.75% | 11.50% | 12.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 1 | 10.50% | 10.75% | 10.00% | 11.00% | 13.50% | 14.50% | 14.50% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 1 | 13.50% | 14.00% | 13.25% | 14.75% | 18.25% | 22.00% | 24.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Buffer | 1 | 12.80% | 13.30% | 12.10% | 12.60% | 12.50% | 13.80% | 14.20% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Floor* | 1 | 12.00% | 12.00% | 11.90% | 12.30% | 12.90% | 13.60% | 13.90% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 1 | 21.00% | 22.50% | 20.00% | 24.50% | 26.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 1 | 13.25% | 14.00% | 12.25% | 14.50% | 15.25% | 18.75% | 21.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 1 | 18.25% | 18.50% | 19.25% | 22.50% | 34.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 1 | 32.00% | 35.00% | 250.00% | 250.00% | 250.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 6 | 96.00% | 95.00% | 145.00% | 115.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 6 | 74.00% | 74.00% | 78.00% | 80.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 6 | 58.00% | 58.00% | 56.00% | 60.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 6 | 68.00% | 68.00% | 68.00% | 74.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 6 | 145.00% | 140.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 6 | 98.00% | 95.00% | 110.00% | 130.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 6 | 68.00% | 68.00% | 68.00% | 75.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 6 | 84.00% | 82.00% | 90.00% | 98.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 6 | 78.00% | 76.00% | 84.00% | 85.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 6 | 65.00% | 64.00% | 66.00% | 70.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 6 | 52.00% | 52.00% | 52.00% | 54.00% | 180.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 6 | 60.00% | 60.00% | 60.00% | 64.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 6 | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||||||
| Renewal Crediting Rates for Contracts Issued in 2022 | ||||||||||||||||||||||||||||||||||||||
| Index, Crediting Methods, and Protections Options Combinations | Term | 01/01/2024- 02/06/2024 | 02/07/2024- 03/06/2024 | 03/07/2024- 04/03/2024 | 04/04/2024- 05/01/2024 | 05/02/2024- 06/05/2024 | 06/06/2024- 07/04/2024 | 7/5/2024- 07/31/2024 | 8/1/2024- 10/2/2024 | 10/3/2024- 10/16/2024 | 10/17/2024- 12/18/2024 | 12/19/2024- 12/31/2024 | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 4.50% | 4.85% | 5.65% | 7.35% | 5.75% | 6.75% | 7.55% | 6.30% | 7.95% | 9.15% | 9.85% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 3.95% | 4.40% | 5.10% | 5.90% | 5.70% | 6.65% | 7.55% | 6.35% | 7.75% | 8.95% | 9.05% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 1 | 5.00% | 5.30% | 6.30% | 8.25% | 6.60% | 8.00% | 9.00% | 7.35% | 9.75% | 11.75% | 14.00% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 1 | 2.90% | 3.15% | 4.10% | 5.35% | 4.65% | 5.80% | 6.55% | 5.40% | 7.05% | 8.75% | 9.75% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 1 | 4.20% | 4.75% | 5.60% | 6.40% | 6.45% | 7.90% | 9.00% | 7.25% | 9.50% | 11.25% | 11.75% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 1 | 6.30% | 7.00% | 8.00% | 9.75% | 8.75% | 10.50% | 11.75% | 9.50% | 12.50% | 15.25% | 16.75% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 5.10% | 5.45% | 5.35% | 7.30% | 6.50% | 6.85% | 8.05% | 7.25% | 9.10% | 10.50% | 11.50% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 5.85% | 6.60% | 5.55% | 6.45% | 7.15% | 7.85% | 8.60% | 7.85% | 9.85% | 11.20% | 12.60% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 1 | 5.80% | 6.20% | 5.75% | 8.50% | 7.60% | 8.50% | 10.50% | 9.50% | 13.75% | 18.50% | 31.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 1 | 3.15% | 3.40% | 3.45% | 4.95% | 4.85% | 5.85% | 7.25% | 6.35% | 9.25% | 12.00% | 13.25% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 1 | 6.75% | 7.90% | 6.00% | 7.25% | 8.75% | 10.25% | 11.50% | 10.75% | 16.00% | 23.00% | 250.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 1 | 10.00% | 11.75% | 8.75% | 11.50% | 13.00% | 15.25% | 17.00% | 16.00% | 35.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 6.25% | 7.10% | 8.30% | 9.00% | 8.75% | 9.35% | 10.50% | 8.95% | 11.70% | 13.20% | 14.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 5.25% | 6.10% | 7.05% | 7.10% | 8.10% | 8.95% | 9.85% | 8.85% | 11.20% | 12.60% | 13.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 1 | 7.00% | 8.25% | 10.00% | 10.50% | 11.00% | 12.00% | 13.50% | 11.25% | 16.00% | 19.25% | 22.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 1 | 4.05% | 4.70% | 6.05% | 6.65% | 6.50% | 7.55% | 8.75% | 7.35% | 10.50% | 12.75% | 14.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 1 | 5.80% | 6.75% | 8.00% | 7.90% | 10.00% | 11.25% | 12.25% | 11.00% | 14.75% | 17.75% | 19.25% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 1 | 9.00% | 10.75% | 12.50% | 12.25% | 15.25% | 16.50% | 18.50% | 15.75% | 22.50% | 27.50% | 33.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 4.15% | 4.45% | 5.20% | 6.75% | 5.35% | 6.30% | 7.05% | 5.90% | 7.45% | 8.55% | 9.15% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 3.60% | 4.05% | 4.70% | 5.45% | 5.25% | 6.15% | 7.00% | 5.90% | 7.25% | 8.35% | 8.50% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 1 | 4.40% | 4.80% | 5.70% | 7.50% | 6.00% | 7.35% | 8.25% | 6.75% | 8.75% | 10.75% | 12.25% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 1 | 2.60% | 2.90% | 3.75% | 4.90% | 4.20% | 5.40% | 6.05% | 5.05% | 6.60% | 8.25% | 9.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 1 | 3.80% | 4.30% | 5.15% | 5.90% | 5.90% | 7.20% | 8.25% | 6.65% | 8.50% | 10.50% | 10.75% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 1 | 5.60% | 6.40% | 7.35% | 8.75% | 7.85% | 9.50% | 10.50% | 8.50% | 11.25% | 13.50% | 14.50% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Buffer | 1 | 6.55% | 6.90% | 7.35% | 10.00% | 7.80% | 9.55% | 9.75% | 8.50% | 9.25% | 10.60% | 12.10% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Floor* | 1 | 5.75% | 6.65% | 7.25% | 8.35% | 7.85% | 9.25% | 9.90% | 8.85% | 9.75% | 11.10% | 11.70% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 1 | 7.60% | 8.25% | 9.25% | 13.25% | 10.00% | 12.75% | 13.25% | 11.00% | 12.75% | 16.50% | 23.00% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 1 | 4.05% | 4.25% | 5.15% | 7.50% | 6.15% | 7.95% | 8.25% | 7.05% | 8.50% | 10.75% | 13.50% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 1 | 6.45% | 7.90% | 9.00% | 10.25% | 10.25% | 12.00% | 13.25% | 11.75% | 14.00% | 18.25% | 21.50% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 1 | 10.75% | 13.25% | 14.75% | 17.50% | 16.00% | 18.00% | 21.50% | 18.25% | 23.00% | 250.00% | 250.00% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 6 | 38.00% | 49.00% | 56.00% | 55.00% | 49.00% | 80.00% | 90.00% | 72.00% | 130.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 6 | 27.50% | 41.00% | 46.00% | 44.00% | 42.00% | 64.00% | 72.00% | 60.00% | 76.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 6 | 19.25% | 23.00% | 30.00% | 29.50% | 32.00% | 49.00% | 58.00% | 48.00% | 56.00% | 94.00% | 100.00% | ||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 6 | 24.50% | 28.50% | 37.00% | 37.00% | 39.00% | 60.00% | 68.00% | 56.00% | 70.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 6 | 95.00% | 400.00% | 135.00% | 999.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 6 | 46.00% | 56.00% | 65.00% | 500.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 6 | 31.00% | 39.00% | 37.00% | 55.00% | 80.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 6 | 49.00% | 66.00% | 54.00% | 111.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 6 | 34.00% | 43.00% | 60.00% | 59.00% | 68.00% | 120.00% | 155.00% | 100.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 6 | 28.50% | 35.00% | 48.00% | 47.00% | 54.00% | 84.00% | 105.00% | 78.00% | 120.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 6 | 19.75% | 24.00% | 32.00% | 32.00% | 38.00% | 60.00% | 72.00% | 58.00% | 72.00% | 135.00% | 400.00% | ||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 6 | 25.00% | 30.00% | 40.00% | 41.00% | 47.00% | 75.00% | 90.00% | 70.00% | 96.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 6 | 31.00% | 35.00% | 44.00% | 49.00% | 44.00% | 68.00% | 75.00% | 62.00% | 84.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 6 | 25.00% | 29.00% | 37.00% | 39.00% | 38.00% | 56.00% | 64.00% | 54.00% | 66.00% | 200.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 6 | 18.00% | 21.00% | 27.50% | 27.00% | 30.00% | 45.00% | 52.00% | 45.00% | 52.00% | 76.00% | 76.00% | ||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 6 | 23.00% | 26.50% | 34.00% | 34.00% | 36.00% | 52.00% | 60.00% | 52.00% | 60.00% | 110.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 6 | 58.00% | 110.00% | 400.00% | 999.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 6 | 41.00% | 62.00% | 115.00% | 500.00% | 105.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 6 | 26.50% | 37.00% | 56.00% | 107.00% | 62.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 6 | 37.00% | 56.00% | 100.00% | 999.00% | 100.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | 400.00% | ||||||||||||||||||||||||||
| Renewal Crediting Rates for Contracts Issued in 2021 | ||||||||||||||||||||||||||||||||||||||
| Index, Crediting Methods, and Protections Options Combinations | Term | 10/11/2024- 11/14/2024 | 11/15/2024- 12/31/2024 | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 3.80% | 4.75% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 3.85% | 4.25% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 1 | 4.30% | 5.30% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 1 | 2.10% | 3.00% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 1 | 4.10% | 4.60% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 1 | 6.30% | 7.00% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 4.55% | 5.60% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 5.30% | 5.90% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 1 | 5.25% | 6.60% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 1 | 2.70% | 3.65% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 1 | 6.25% | 7.00% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 1 | 9.75% | 10.75% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 7.00% | 7.50% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 6.40% | 6.65% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 1 | 8.25% | 8.75% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 1 | 4.25% | 4.30% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 1 | 7.30% | 7.70% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 1 | 12.00% | 13.25% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Buffer | 1 | 3.65% | 4.35% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Performance Trigger with 10% Floor* | 1 | 3.50% | 3.90% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 1 | 3.90% | 4.70% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 1 | 2.20% | 2.70% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 1 | 3.70% | 4.15% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 1 | 5.55% | 6.20% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Buffer | 1 | 4.80% | 6.00% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Performance Trigger with 10% Floor* | 1 | 5.30% | 5.85% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 1 | 5.35% | 7.05% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 1 | 2.70% | 3.75% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 1 | 6.10% | 6.75% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 1 | 9.50% | 11.00% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Buffer | 6 | 32.00% | 39.00% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Buffer | 6 | 21.50% | 27.00% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 10% Floor* | 6 | 14.00% | 19.00% | |||||||||||||||||||||||||||||||||||
| S&P 500 Index Point-to-Point Cap with 20% Floor* | 6 | 19.00% | 24.50% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Buffer | 6 | 44.00% | 400.00% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Buffer | 6 | 29.00% | 60.00% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 10% Floor* | 6 | 22.00% | 35.00% | |||||||||||||||||||||||||||||||||||
| MSCI EAFE Index Point-to-Point Cap with 20% Floor* | 6 | 34.00% | 66.00% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Buffer | 6 | 33.00% | 44.00% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Buffer | 6 | 26.00% | 35.00% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 10% Floor* | 6 | 16.00% | 22.50% | |||||||||||||||||||||||||||||||||||
| RUSSELL 2000 Index Point-to-Point Cap with 20% Floor* | 6 | 22.00% | 30.00% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Buffer | 6 | 24.00% | 31.00% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Buffer | 6 | 19.00% | 24.50% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 10% Floor* | 6 | 13.00% | 17.75% | |||||||||||||||||||||||||||||||||||
| MSCI KLD 400 Social Index Index Point-to-Point Cap with 20% Floor* | 6 | 17.25% | 22.50% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Buffer | 6 | 38.00% | 56.00% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Buffer | 6 | 27.00% | 37.00% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 10% Floor* | 6 | 19.25% | 27.00% | |||||||||||||||||||||||||||||||||||
| MSCI Emerging Markets Point-to-Point Cap with 20% Floor* | 6 | 28.00% | 39.00% | |||||||||||||||||||||||||||||||||||