Guarantees

You can choose the certainty of a fixed
rate of interest that is declared each year
by the insurance company and subject
to minimum guarantees. Your annuity
will always have a Minimum Guaranteed
Contract Value.

Growth Potential

You can pursue additional growth with
interest credits that are based in part on the
performance of an external market index.

A Premium Bonus

A Performance Elite annuities include
a bonus that’s applied to the money you
use to purchase your annuity.

Protection

There is no direct downside market risk
to your money.

Tax Deferral

Annuities provide the advantage of tax-
deferred interest accumulation. You don’t pay taxes on any growth until you withdraw money.

Income

The annuity’s maturity date, you have
options to create a regular stream of
income either for a certain period of time
or for the rest of your life.

A Death Benefit

Your annuity can offer your loved ones a
quick source of funds to settle matters after
your death.

The primary purpose of Performance Elite fixed indexed annuities is to help you accumulate money for retirement.

They feature a variety of interest crediting strategies that are designed to grow your money and help protect you from market downturns.

But growing your savings doesn’t mean giving up access to your money.

A Performance Elite Plus annuities include a Liquidity Rider, for anannual charge, that gives you additional flexibility should the need arise. A Performance Elite Plus also provides an enhanced Premium Bonus, which will give an immediate increase to your annuity’s Accumulated Value.

Premium Bonus

he Performance Elite annuities include a Premium Bonus that is
credited at issue and provides an immediate increase to your annuity’s Accumulated Value.
The bonus and any earnings on the bonus are subject to a Premium Bonus Vesting Adjustment.

Fixed Crediting Strategy

The fixed crediting strategy provides a guaranteed rate of interest that is used to calculate and credit
interest to your annuity daily.

Optional Strategy Charge

Higher Cap and Participation Rates are
available with a strategy charge. Annual
Strategy Charges are calculated on the
contract anniversary and deducted monthly
from the Accumulated Value.

Indexed Crediting Strategies

With indexed crediting strategies, you receive interest credits linked in part to the performance of external market indices. A Cap Rate or a Participation Rate, established at the start of each Index Term Period, is used to calculate any interest earned. Credits are applied at the end of each term.
Indexed interest crediting strategies include guaranteed protection from loss due to market
downturns. While you may receive a 0% interest credit at the end of a term period, you will never
receive less than 0%.

Strategy Charge Credit

A one-time Strategy Charge Credit will be
added to the Accumulated Value at the end
of the Withdrawal Charge Period, if the
sum of all strategy charges applied, minus
the sum of all interest credits, is greater
than zero.

Enhanced Free Withdrawals

On Performance Elite 10 and 15, the penalty-free withdrawal amount is increased to 10% per year and may be taken as early as the first Contract Year. If no withdrawals are taken in a given
year, up to 20% of the Accumulated Value is available for withdrawal in the next year.

Enhanced Annuitization

Performance Elite 7 allows Enhanced Annuitization after the fifth Contract Year. Performance Elite 10 allows Enhanced Annuitization after the seventh Contract Year. Performance Elite 15 allows Enhanced Annuitization after the ninth Contract Year. You may elect to surrender your contract and apply the Accumulated Value to one of five settlement options. No Withdrawal Charges, Premium Bonus Vesting Adjustments or Market Value Adjustments will apply upon election of this feature, provided one of the Settlement Options is elected and annuity payments commence. Please refer to the Certificate of Disclosure for specific settlement options.

Return of Premium Benefit

After the fourth Contract Year, the Cash Surrender Value will never be less than the premium minus premium taxes (if applicable) and prior withdrawals, including Withdrawal Charges,
Premium Bonus Vesting Adjustment and Market Value Adjustment on those withdrawals.

Rider Charge

The Liquidity Rider included with Performance Elite Plus has a charge that is deducted from your annuity’s Accumulated Value during the Withdrawal Charge period. A Rider Charge will be assessed when any of the following occur: when you reach the end of a Contract Year; when you take a withdrawal; on the Annuity Date; upon surrender; upon the date of proof of death; or if the rider is terminated. The rider may not be terminated during the Withdrawal Charge period.

Annuity Payout Options

When your annuity matures (on the Annuity
Date), A Performance Elite gives you
options to receive guaranteed lifetime income
(called annuitization). The payment amount will be based on your annuity’s Cash Surrender
Value and the annuitization option you choose.
These options can be based a set period of
time, your lifetime or the lifetimes of you and
your Joint Annuitant.

It’s important to note that once you choose to
annuitize, the payment schedule and the amount is fixed and can’t be altered.

Death Benefit

The Performance Elite annuities include a
Death Benefit. It guarantees that your beneficiary will receive your annuity’s full Accumulated Value, Minimum Guaranteed Contract Value or Return of Premium Benefit (Performance Elite Plus only), whichever is greater. The Death Benefit will be paid as long as you haven’t annuitized your contract.

After annuitization, payments will be consistent with
the settlement option selected and made payable to
your named beneficiary.