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Performance Trigger Index StrategyThis strategy bases interest credits on a predetermined rate (called the trigger rate) if the S&P 500 Index value atthe end of the contract year is greater than or equal to the S&P 500 index value at the beginning of the contractyear. The graph below shows the performance of the S&P 500 ® Index from January 2011 through January 2012.January 2011 - January 2012 S&P 500 ® Index PerformanceMonthsBecause the performance of the S&P 500 ® Index was greater than zero and less than the Trigger Rate, thePerformance Trigger Index Strategy would have credited more interest than the other strategies.How it WorksIn January 2011, the S&P 500 ® Index was1,286.12. One year later in January 2012, itwas 1,312.41, a positive difference in valueof 2.04%. Because the Index returned 0% orgreater, the trigger rate of 3.5% is applied tothe contract.Interest Credits 2011 - 2012Beginning Index Value = 1,286.12Ending Index Value = 1,312.41Trigger Rate = 3.50%Credited Rate = 3.50%*Credit for the Interest Rate Benchmark Strategy is calculated by subtracting beginning 3-Month LIBOR rate (0.30%) from the ending rate (0.26%) times the multiplier (4), and comparingto the cap rate of 10%. Since the change in the 3-Month LIBOR was negative, the interest credit is 0%.Historical performance of the S&P 500 ® Index should not be considered a representation of current or future performance of the Index or of your annuity. Hypothetical annual changeseffective 2011. Since this strategy was not available in 2011, performance is based on hypothetical past performance only and is not an indication of current or future results. This exampleassumes no withdrawals were made and is an example only.8
Monthly Average Index StrategyThis strategy bases interest credit on the comparison of the index value at the beginning of the contract year toan average of 12 monthly index values. The graph below shows the performance of the S&P 500 ® Index in 1997.1997 S&P 500 ® Index PerformanceMonthsBecause the S&P 500 ® Index displayed stable and steady growth throughout the year, the MonthlyAverage Index Strategy would have credited more interest than the other strategies.How it WorksIn 1997, the monthly index values were:January 786.16 July 954.31February 790.82 August 899.47March 757.12 September 947.28April 801.34 October 914.62May 848.28 November 955.40June 885.14 December 970.43The average of these twelve values is 875.86,which is 18.24% above the S&P 500 ® Indexvalue at the beginning of the year. Assuming aspread of 4.00%, the interest credit would havebeen 14.24%.Interest Credit in 1997*Credit for the Interest Rate Benchmark Strategy is calculated by subtracting beginning 3-Month LIBOR rate (5.524%) from the ending rate (5.985%) times the multiplier (4), equaling1.84% and comparing to the cap rate of 10%.Historical performance of the S&P 500 ® Index should not be considered a representation of current or future performance of the Index or of your annuity. Hypothetical annual changeseffective 1997. Since this product was not available in 1997, performance is based on hypothetical past performance only and is not an indication of current or future results. This exampleassumes no withdrawals were made and is an example only.9
Page 1: Mapping Your Retirement Destination
Page 4 and 5: Fueling the value of your annuityFl
Page 6 and 7: Strategy How It Works AdvantageMont
Page 8 and 9: Point-to-Point Participation Index
Page 12 and 13: Monthly Cap Index StrategyThis stra
Page 14 and 15: Access to Your MoneyPenalty-Free Wi
Page 16: Client ServicesOur friendly Custome

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