To help you overcome low interest rates, Power Select Index Annuities offer growth potential through diverse index interest accounts that earn interest based partly on the performance of an index. While these accounts may not generate interest in all years, they may provide higher interest than traditional fixed income instruments over time. For those who want guaranteed interest, Power Select Index Annuity also offers the comfort and security of a 1-year fixed rate account.¹

Upside Growth Potential With Index Interest Accounts

Power Select Index Annuities offers you the potential to earn interest based partly on the performance of the above indices.² Although your assets are not invested directly in the index or stock market, the interest you earn from index interest accounts is calculated using the index’s performance over one of two time periods:

• Annual Point-to-Point: The annual percentage change of the index from one contract anniversary (the date the annuity is purchased) to the next contract anniversary.
• 2-Year Point-to-Point: The percentage change of the index from one contract anniversary to the contract anniversary two years later.

Using Index Performance to Calculate Interest Earned

When determining the interest earned, the percentage change of the index is subject to an index rate cap, spread or participation rate, depending on the index interest account.