Introducing Our Enhanced Choice Index

Our Enhanced Choice Index is available to sell now. A single-premium deferred annuity, the ECI offers features to optimize growth capabilities. These include four distinct indexed crediting strategies and an enhanced participation rate feature. Other benefits include tax-deferred growth and policies that can last five, seven or 10 years.

Exciting features include volatility-controlled indexes and an enhanced participation rate feature. Three of the indexes offer volatility control, providing customers with the potential for increased growth without increased exposure to market fluctuations. And the first annuity to offer the S&P 500 ESG Daily Risk Control 5% Excess Return Index, an option that aligns with the values of socially conscientious clients.

The four indexed interest crediting strategies are:

• S&P MARC 5% Excess Return Index (Ticker: SPMARC5P)
  Aims for more stable index performance with a diversified multi-asset index. Uses an innovative design to manage market volatility.
• S&P 500 Daily Risk Control 5% Excess Return Index (Ticker: SPXT5UE)
  Aims to create stable returns using the existing S&P 500 Index crediting design, combined with a volatility target.
• S&P 500 ESG Daily Risk Control 5% Excess Return Index (Ticker: SPXESU5E)
  Focuses on companies with improved environmental, social and governance characteristics.
• S&P 500® Index (Ticker: SPX)
  Tracks the performance of 500 of the top companies in leading industries of the U.S. economy.

ECI policyholders will earn interest based on a percentage of the growth of the index each year, referred to as the participation rate. In exchange for a fee, policyholders can receive an enhanced index participation rate that offers the potential for the annuity fund to grow at a higher rate.

If your broker dealer requires product approval, ask them to start the due diligence process with us directly.
We require product training before starting an application.

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