Fixed-Rate Account
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0%.

S&P 500® Index Accounts
1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%.

1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

Barclays Focus50 Index^TM Accounts
1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 Index^TM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

S&P MARC 5% Excess Return Index Account
1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.