SmartBoost Index

Effective November 14, 2025

(Rates Effective Since Mar 01, 2025)

Account Options	Current Rate
1-Year Interest	4.50%
S&P 500 1-Year Point-to-Point Cap	8.00%
S&P 500 1-Year Point-to-Point Participation	50.00%
S&P 500 1-Year Point-to-Point Performance Trigger	6.50%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation	70.00%

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 crediting strategies
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 monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

1-Year Point-to-Point Performance Trigger
Index credits will be based on the Performance Trigger Rate if the S&P 500 Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.

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