On The Move – August 2, 2022

July 29, 2022 – Effective Date of Change

National Western Life

Fixed Indexed Annuity

NWL IMPACT 7® 5,000+

• Option A: 1 Year Annual Point to Point with Monthly Average:  Part Rate 100%
• Option B: Fixed Interest Rate:  Rate 3.90%
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 135%

NWL Ultra Classic® 5,000+

• Option A: Monthly Averaging Annual Reset:  Part Rate 100%
• Option B: Fixed Account:  Rate 4.50%
• Option J: Annual Point-to-Point with Cap and Charge:  Cap 8.00% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 170%

NWL Ultra Future® 5,000+

• Option B: Fixed Account:  Rate 3.60%
• Option A: Monthly Averaging Annual Reset:  Part Rate 100%
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 140%

NWL Ultra Future® – State Variation 5,000+

• Option A: S&P 500 Monthly Average:  Part Rate 100%
• Fixed:  Rate 3.55%
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 146%

NWL Ultra Value® 5,000+

• Option B: Fixed Interest Rate:  Rate 3.55%
• Option A: Monthly Average Annual Reset:  Part Rate 100%
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 146%

NWL® Core Dynamic 10,000+

• Option A: Annual Reset Monthly Average with Participation and Fee:  Part Rate 20%
• Option B: Fixed Interest Rate:  Rate 2.10%
• Option D: Annual Reset Monthly Point-to-Point with Cap:  Cap 1.50% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 75%
• Option J: Annual Reset Annual Point to Point with Cap and Spread:  Cap 4.00% 

NWL® Pro Dynamic 10,000+

• Option A: Annual Reset Monthly Average with Participation and Fee:  Part Rate 20%
• Option D: Annual Reset Monthly Point-to-Point with Cap:  Cap 1.50% 
• Option U: Annual Reset Low Volatility Daily Risk Control:  Part Rate 75%
• Option B: Fixed Interest Rate:  Rate 2.10%
• Option J: Annual Reset Annual Point to Point with Cap and Spread:  Cap 4.00% 

August 1, 2022 – Effective Date of Change

American General Life Insurance Company

Fixed Indexed Annuity

Power 10 Protector 25,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 8.00% 
• 1 Year Fixed Account:  Rate 3.40%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 38%
• 1 Year Russell 2000 Annual Point to Point:  Cap 7.25% 
• 1 Year MSCI EAFE Annual Point to Point:  Cap 7.25% 
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Spread 1.00%  Part Rate 150%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Part Rate 180%

Power 10 Protector 100,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 9.00% 
• 1 Year Fixed Account:  Rate 3.40%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 43%
• 1 Year Russell 2000 Annual Point to Point:  Cap 8.25% 
• 1 Year MSCI EAFE Annual Point to Point:  Cap 8.25% 
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Spread 1.00%  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Part Rate 200%

Power 10 Protector Plus Income 25,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 8.00% 
• 1 Year Fixed Account:  Rate 3.40%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 38%
• 1 Year Russell 2000 Annual Point to Point:  Cap 7.25% 
• 1 Year MSCI EAFE Annual Point to Point:  Cap 7.25% 
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Spread 1.00%  Part Rate 150%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Part Rate 180%

Power 10 Protector Plus Income 100,000+

• 1 Year S&P 500 Annual Point to Point:  Cap 9.00% 
• 1 Year Fixed Account:  Rate 3.40%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 43%
• 1 Year Russell 2000 Annual Point to Point:  Cap 8.25% 
• 1 Year MSCI EAFE Annual Point to Point:  Cap 8.25% 
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Spread 1.00%  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread:  Part Rate 200%

Power 5 Protector 25,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 7.15% 
• 1 Year S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 35%
• 5 Year S&P 500 Annual Point-to-Point:  Cap 38.00% 
• 1 Year PIMCO Global Optima Index Participation Rate:  Part Rate 60%
• 1 Year ML Strategic Balance Index Participation Rate:  Part Rate 85%
• 1 Year Fixed Account:  Rate 3.15%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 135%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate :  Part Rate 160%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 185%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 235%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 49%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 130%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 175%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 125%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 85%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 85%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 115%

Power 5 Protector 100,000+

• 1 Year S&P 500 Annual Point-to-Point:  Cap 8.50% 
• 1 Year S&P 500 Annual Point-to-Point Participation Rate:  Part Rate 40%
• 5 Year S&P 500 Annual Point-to-Point:  Cap 45.00% 
• 1 Year PIMCO Global Optima Index Participation Rate:  Part Rate 75%
• 1 Year ML Strategic Balance Index Participation Rate:  Part Rate 110%
• 1 Year Fixed Account:  Rate 3.15%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 150%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 175%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 200%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 250%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 54%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 155%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 200%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 150%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 100%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 100%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 130%

Power 7 Protector 25,000+

• Fixed Interest Account:  Rate 3.25%
• 1 year S&P 500 Annual Point to Point:  Cap 7.35% 
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 38%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 160%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 185%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 210%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 285%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 51%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 135%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 190%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 130%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 90%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 90%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 125%

Power 7 Protector 100,000+

• Fixed Interest Account:  Rate 3.25%
• 1 year S&P 500 Annual Point to Point:  Cap 8.75% 
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 42%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 200%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 225%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 300%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 55%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 160%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 215%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 155%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 105%
• 1 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 105%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 140%

Power 7 Protector Plus Income 25,000+

• 1-Year S&P 500 Annual Point-to-Point Account:  Cap 7.35% 
• 1-Year Fixed Account:  Rate 3.25%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 38%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 62%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 160%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 185%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 90%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 210%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 285%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 51%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 135%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 190%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 130%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 90%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 125%

Power 7 Protector Plus Income 100,000+

• 1-Year S&P 500 Annual Point-to-Point Account:  Cap 8.750% 
• 1-Year Fixed Account:  Rate 3.25%
• 1 Year S&P 500 Annual Point to Point with Participation:  Part Rate 42%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Participation:  Part Rate 77%
• 1 Year ML Strategic Balanced Annual Point to Point with Participation:  Part Rate 115%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 175%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate:  Part Rate 200%
• 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation:  Part Rate 105%
• 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 225%
• 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate:  Part Rate 300%
• 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate:  Part Rate 55%
• 2 Year ML Strategic Balance Index Participation Rate:  Part Rate 160%
• 2 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 215%
• 1 Year ML Strategic Balance Index Enhanced Participation Rate:  Part Rate 155%
• 2 Year PIMCO Global Optima Index Participation Rate:  Part Rate 105%
• 2 Year PIMCO Global Optima Index Enhanced Participation Rate:  Part Rate 140%

Power Select Builder 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 8.00% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 2.50% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 44%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 90%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1 Year Russell 2000 Annual Point to Point:  Part Rate 29%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 165%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 180%

Power Select Builder 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 9.00% 
• 1-Year Fixed Interest Account:  Rate 3.25%
• 2-Year MLStrategic Balanced Index with Spread: 
• 2-Year PIMCO Global Optima Index with Spread: 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 50%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 115%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 75%
• 1 Year Russell 2000 Annual Point to Point:  Part Rate 35%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 190%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 200%

Power Select Builder 8 25,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 4.25% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 19%
• ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 2.50% 
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 100%
• PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 50%
• Fixed:  Rate 2.75%
• 1 Year Russell 2000 Annual Point to Point:  Cap 4.00% 
• PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 5.00% 
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 110%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 150%

Power Select Builder 8 100,000+

• S&P 500 Annual Point-to-Point w/ Cap:  Cap 5.00% 
• S&P 500 Annual Point-to-Point w/ Participation :  Part Rate 22%
• ML Strategic Balanced Index Point-to-Point w/ Spread:  Spread 1.50% 
• ML Strategic Balanced Index 2-Year Point-to-Point w/ Participation:  Part Rate 110%
• PIMCO Global Optima Index 2-Year Point-to-Point w/ Participation:  Part Rate 65%
• Fixed:  Rate 2.75%
• 1 Year Russell 2000 Annual Point to Point:  Cap 4.50% 
• PIMCO Global Optima Index Annual Point-to-Point w/ Spread:  Spread 4.00% 
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 125%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 2.00%  Part Rate 180%

Power Select Plus Income 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.75% 
• 1-Year Fixed Interest Account:  Rate 2.50%
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 20%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 120%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 140%

Power Select Plus Income 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.50% 
• 1-Year Fixed Interest Account:  Rate 2.50%
• 2-Year MLStrategic Balanced Index with Spread : 
• 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1-Year Russel 2000 Annual Point to Point with PR:  Part Rate 25%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 140%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 160%

Power Select Plus Income with Multiplier® 25,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 5.25% 
• 2-Year MLStrategic Balanced Index with Spread:  Spread 0.50% 
• 1-Year Fixed Interest Account:  Rate 2.15%
• 2-Year PIMCO Global Optima Index with Spread:  Spread 5.90% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 36%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 75%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 47%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 20%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 110%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 130%

Power Select Plus Income with Multiplier® 100,000+

• 1-Year S&P 500 Annual Point-to-Point Index Interest Account:  Cap 6.00% 
• 2-Year MLStrategic Balanced Index with Spread : 
• 1-Year Fixed Interest Account:  Rate 2.15%
• 2-Year PIMCO Global Optima Index with Spread:  Spread 4.00% 
• 2-Year S&P 500 Annual Point-to-Point with Participation Rate:  Part Rate 40%
• 1-Year ML Strategic Balanced Index with Participation Rate:  Part Rate 100%
• 1-Year PIMCO Global Optima Index with Participation Rate:  Part Rate 60%
• 1-Year Russell 2000 Annual Point to Point with PR:  Part Rate 25%
• 1 Year AB All Market Index Point to Point Participation Rate with Spread:  Spread 1.00%  Part Rate 130%
• 2 Year AB All Market Index Point to Point Participation Rate with Spread:  Part Rate 150%

August 1, 2022 – Effective Date of Change

Delaware Life

Fixed Indexed Annuity

Retirement Chapters 10 25,000+

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 5.00% 
• 1-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 90%
• 2-Year Momentum Asset Allocator 5.5% VC with Participation Rate:  Part Rate 110%
• 1-Year Fixed Account:  Rate 2.25%
• 1-Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 25%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 110%

Retirement Stages 7 *ROP for FEE* 10,000+

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 7.25% 
• 1-Year Fixed Account:  Rate 3.25%
• 1-Year S&P 500 Performance Trigger:  Cap 6.25% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 30%
• 1-Year Morgan Stanley Global Opportunities:  Part Rate 110%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 110%

Target Growth 10 25,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 6.50% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 27%
• 1 Year First Trust Capital Strength Barclays 5% Point-to-Point w/Participation:  Part Rate 105%
• 1 Year Morgan Stanley Global Opportunities Point-to-Point w/Participation:  Part Rate 105%
• Fixed:  Rate 2.50%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.20% 

Target Growth 10 100,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.25% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 30%
• 1 Year First Trust Capital Strength Barclays 5% Point-to-Point w/Participation:  Part Rate 130%
• 1 Year Morgan Stanley Global Opportunities Point-to-Point w/Participation:  Part Rate 130%
• Fixed:  Rate 2.75%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.10% 

Target Income 10 25,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 90%
• 1 Year S&P 500 with Cap:  Cap 4.00% 
• Fixed:  Rate 1.50%
• 1 Year S&P 500 with Participation:  Part Rate 25%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 90%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.50% 

Target Income 10 100,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 100%
• 1 Year S&P 500 with Cap:  Cap 4.50% 
• Fixed:  Rate 1.65%
• 1 Year S&P 500 with Participation:  Part Rate 27%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 100%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.25% 

Target Income 10 500,000+

• 1 Year Morgan Stanley Global Opportunities Index:  Part Rate 110%
• 1 Year S&P 500 with Cap:  Cap 5.00% 
• Fixed:  Rate 1.80%
• 1 Year S&P 500 with Participation:  Part Rate 30%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 110%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Spread:  Spread 0.10% 

MYGA

• Pinnacle MYGA^sm 3 Year 10,000+  3.15%
• Pinnacle MYGA^sm 3 Year (DE & FL) 10,000+  3.15%
• Pinnacle MYGA^sm 5 Year 10,000+  3.40%
• Pinnacle MYGA^sm 5 Year (DE & FL) 10,000+  3.40%
• Pinnacle MYGA^sm 7 Year 10,000+  3.70%
• Pinnacle MYGA^sm 7 Year (DE & FL) 10,000+  3.70%

August 1, 2022 – Effective Date of Change

Nassau Life and Annuity Company

Fixed Indexed Annuity

Nassau Growth Annuity 10 Group A 15,000+

• 1-year S&P 500 – Cap:  Cap 7.00% 
• 1-year S&P 500 – Participation Rate:  Part Rate 38%
• 2-Year S&P 500 – Participation Rate:  Part Rate 51%
• 2-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 140%
• 1-Year S&P 500 – Participation Rate with Fee:  Part Rate 49%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 182%
• Fixed Account:  Rate 3.45%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 78%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 101%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 39%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 51%

Nassau Growth Annuity 10 Group A with Income 15,000+

• 1-year S&P 500 – Cap:  Cap 7.00% 
• 1-year S&P 500 – Participation Rate:  Part Rate 38%
• 2-year S&P 500 – Participation Rate:  Part Rate 51%
• 2-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 140%
• 1-Year S&P 500 – Participation Rate with Fee:  Part Rate 49%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 67%
• 2-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 182%
• Fixed Account:  Rate 3.45%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 78%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 101%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 39%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 51%

Nassau Growth Annuity 10 Group B 15,000+

• 1-year S&P 500 Cap:  Cap 6.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 35%
• 2-year S&P 500 Participation Rate:  Part Rate 48%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 132%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 47%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 64%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 174%
• Fixed Account:  Rate 3.25%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 74%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 97%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 34%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 49%

Nassau Growth Annuity 10 Group B with Income 15,000+

• 1-year S&P 500 Cap:  Cap 6.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 35%
• 2-year S&P 500 Participation Rate:  Part Rate 48%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 132%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 47%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 64%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 174%
• Fixed Account:  Rate 3.25%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 74%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 97%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 34%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 49%

Nassau Growth Annuity 10 Group C 15,000+

• 1-year S&P 500 Cap:  Cap 6.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 35%
• 2-year S&P 500 Participation Rate:  Part Rate 48%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 132%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 47%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 64%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 174%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 74%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 97%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 34%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 49%
• Fixed Account:  Rate 3.25%

Nassau Growth Annuity 10 Group C with Income 15,000+

• 1-year S&P 500 Cap:  Cap 6.50% 
• 1-year S&P 500 Participation Rate:  Part Rate 35%
• 2-year S&P 500 Participation Rate:  Part Rate 48%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 132%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 47%
• 2-year S&P 500 Participation Rate with Fee:  Part Rate 64%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 174%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 74%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 97%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 34%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 36%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 49%
• Fixed Account:  Rate 3.25%

Nassau Growth Annuity 7 Group B 15,000+

• Fixed Account:  Rate 2.85%
• 1-year S&P 500 Cap:  Cap 5.75% 
• 1-year S&P 500 Participation Rate:  Part Rate 30%
• 2-year S&P 500 Participation Rate:  Part Rate 41%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 117%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 42%
• 2-year S&P 500 Participation Rate With Fee:  Part Rate 57%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 159%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 65%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 88%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 22%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 44%

Nassau Growth Annuity 7 Group C 15,000+

• 1-year S&P 500 Cap:  Cap 5.75% 
• 1-year S&P 500 Participation Rate:  Part Rate 30%
• 2-year S&P 500 Participation Rate:  Part Rate 41%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 117%
• 1-year S&P 500 Participation Rate with Fee:  Part Rate 42%
• 2-year S&P 500 Participation Rate With Fee:  Part Rate 57%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 159%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 65%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 88%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 22%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 44%
• Fixed Account:  Rate 2.85%

Nassau Personal Income Annuity Group A 15,000+

• Monthly S&P 500:  Cap 1.15% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 2.50% 
• 1-Year S&P 500 Participation:  Part Rate 20%
• 2-Year S&P 500 Participation:  Part Rate 30%
• 1-Year CSTMA Spread:  Spread 4.75% 
• 2-Year CSTMA Spread:  Spread 9.50% 
• 1 Year Fixed Account:  Rate 1.50%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Income Annuity Group B 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation:  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 14.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Income Annuity Group C 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation:  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 14.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Income Annuity Group D 15,000+

• Monthly S&P 500:  Cap 0.95% 
• 1-Year S&P 500 Cap:  Cap 2.00% 
• 1-Year S&P 500 Participation:  Part Rate 16%
• 2-Year S&P 500 Participation:  Part Rate 25%
• 1-Year CSTMA Spread:  Spread 6.00% 
• 2-Year CSTMA Spread:  Spread 14.00% 
• 1 Year Fixed Account:  Rate 1.20%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Protection Choice^SM Group A 15,000+

• S&P 500 Monthly Cap:  Cap 1.75% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.75% 
• 1-Year S&P 500 Point-to-Point Participation:  Part Rate 26%
• 2-Year S&P 500 Point-to-Point Participation:  Part Rate 37%
• 1-Year CSTMAI Point-to-Point Spread:  Spread 0.75% 
• 2-Year CSTMAI Point-to-Point Spread: 
• 1-Year Fixed Account:  Rate 2.75%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 113%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 155%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 63%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 86%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 21%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 30%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 31%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 43%
• 1 Year S&P 500 Par With Fee:  Part Rate 36%
• 2 Year S&P 500 Par With Fee:  Part Rate 51%

Nassau Personal Protection Choice^SM Group B 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation:  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation:  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread:  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Protection Choice^SM Group C 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation:  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation:  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread:  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Protection Choice^SM Group D 15,000+

• S&P 500 Monthly Cap:  Cap 1.60% 
• 1-Year S&P 500 Point-to-Point Cap:  Cap 4.25% 
• 1-Year S&P 500 Point-to-Point Participation:  Part Rate 23%
• 2-Year S&P 500 Point-to-Point Participation:  Part Rate 33%
• 1-Year CSTMAI Point-to-Point Spread:  Spread 1.50% 
• 2-Year CSTMAI Point-to-Point Spread : 
• Fixed:  Rate 2.45%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 100%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 143%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 56%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 79%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 19%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 27%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 28%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 39%
• 1 Year S&P 500 Par With Fee:  Part Rate 33%
• 2 Year S&P 500 Par With Fee:  Part Rate 47%

Nassau Personal Retirement Choice with Income Group A 15,000+

• Monthly S&P 500 with Cap:  Cap 1.15% 
• 1-Year S&P 500 with Cap:  Cap 2.50% 
• 1-Year S&P 500 with PR:  Part Rate 20%
• 2-Year S&P 500 with PR:  Part Rate 30%
• 1-Year CSTMAI Spread:  Spread 4.75% 
• 2-Year CSTMAI Spread:  Spread 9.50% 
• 1 Year Fixed Account:  Rate 1.50%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Retirement Choice with Income Group B 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 14.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice with Income Group C 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 14.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice^SM Group A 15,000+

• Monthly S&P 500 with Cap:  Cap 1.15% 
• 1-Year S&P 500 with Cap:  Cap 2.50% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 20%
• 2-Year S&P 500 with Participation Rate:  Part Rate 30%
• 1-Year CSTMAI Spread:  Spread 4.75% 
• 2-Year CSTMAI Spread:  Spread 9.50% 
• Fixed Account:  Rate 1.50%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 55%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 21%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 35%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 55%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 95%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 32%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 15%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 25%
• 1 Year S&P 500 Par With Fee:  Part Rate 30%
• 2 Year S&P 500 Par With Fee:  Part Rate 43%

Nassau Personal Retirement Choice^SM Group B 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with PR:  Part Rate 16%
• 2-Year S&P 500 with PR:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 14.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

Nassau Personal Retirement Choice^SM Group C 15,000+

• Monthly S&P 500 with Cap:  Cap 0.95% 
• 1-Year S&P 500 with Cap:  Cap 2.00% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 16%
• 2-Year S&P 500 with Participation Rate:  Part Rate 25%
• 1-Year CSTMAI Spread:  Spread 6.00% 
• 2-Year CSTMAI Spread:  Spread 14.00% 
• Fixed Account:  Rate 1.20%
• 1-year Sunrise Smart Passage SG – Participation Rate with Fee:  Part Rate 48%
• 2-year Nasdaq-100 – Participation Rate:  Part Rate 17%
• 2-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 31%
• 2-year Sunrise Smart Passage SG Participation Rate:  Part Rate 45%
• 2-year Sunrise Smart Passage SG Participation Rate with Fee:  Part Rate 85%
• 1-year Sunrise Smart Passage SG – Participation Rate:  Part Rate 26%
• 1-year Nasdaq-100 – Participation Rate:  Part Rate 12%
• 1-year Nasdaq-100 – Participation Rate with Fee:  Part Rate 21%
• 1 Year S&P 500 Par With Fee:  Part Rate 26%
• 2 Year S&P 500 Par With Fee:  Part Rate 38%

MYGA

• Nassau MYAnnuity 5X 0% Free 10,000+  4.55%
• Nassau MYAnnuity 5X 10% Free 10,000+  4.35%
• Nassau MYAnnuity 7X 0% Free 10,000+  4.65%
• Nassau MYAnnuity 7X 10% Free 10,000+  4.45%
• Nassau Simple Annuity 4 5,000+  4.35%
• Nassau Simple Annuity 6 5,000+  4.55%

August 2, 2022 – Effective Date of Change

Allianz Life Insurance Company of North America

Fixed Indexed Annuity

Allianz 222 Annuity 20,000+

• 1-Year S&P 500 Monthly Sum Cap:  Cap 1.90% 
• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 4.00% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Spread:  Spread 3.35% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Cap:  Cap 3.50% 
• 1-Year Fixed Interest Account:  Rate 2.30%
• 1-Year PIMCO Tactical Balanced Index w/ Spread:  Spread 3.60% 
• 1-Year PIMCO Tactical Balanced Index w/ Cap:  Cap 3.50% 
• BlackRock iBLD Claria Annual Point-to-Point w/Cap:  Cap 3.50% 
• BlackRock iBLD Claria Annual Point-to-Point w/Spread:  Spread 3.10% 
• Bloomberg US Dynamic Balance II ER Annual Point-to-Point w/ PR:  Part Rate 95%
• PIMCO Tactical Balanced ER Annual Point-to-Point w/ PR:  Part Rate 90%
• BlackRock iBLD Claria ER Annual Point-to-Point w/PR:  Part Rate 100%
• 2-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi-Year Participation Rate:  Part Rate 120%
• 2-Year PIMCO Tactical Balanced ER Point to Point with Multi-Year Participation Rate:  Part Rate 120%
• 2-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi-Year Participation Rate:  Part Rate 120%
• 5-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi-Year Participation Rate:  Part Rate 125%
• 5-Year PIMCO Tactical Balanced ER Point to Point with Multi-Year Participation Rate:  Part Rate 125%
• 5-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi-Year Participation Rate:  Part Rate 130%

Allianz 360 Annuity 20,000+

• 1-Year S&P 500 Monthly Sum Cap:  Cap 2.00% 
• 1-Year S&P 500 Annual Point-to-Point:  Cap 4.50% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Spread:  Spread 2.10% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Cap:  Cap 5.00% 
• Fixed Interest Account:  Rate 2.70%
• 1-Year PIMCO Tactical Balanced Index w/ Cap:  Cap 5.00% 
• 1-Year PIMCO Tactical Balanced Index w/ Spread:  Spread 2.35% 
• BlackRock iBLD Claria Annual Point-to-Point w/Cap:  Cap 5.00% 
• BlackRock iBLD Claria Annual Point-to-Point w/Spread:  Spread 1.70% 
• BlackRock iBLD Claria ER Annual Point-to-Point w/ PR:  Part Rate 110%
• Bloomberg US Dynamic Balance II ER Annual Point-to-Point w/ PR:  Part Rate 105%
• PIMCO Tactical Balanced ER Annual Point-to-Point w/ PR:  Part Rate 100%
• 2-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi-Year Participation Rate:  Part Rate 130%
• 2-Year PIMCO Tactical Balanced ER Point to Point with Multi-Year Participation Rate:  Part Rate 130%
• 2-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi-Year Participation Rate:  Part Rate 140%
• 5-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi-Year Participation Rate:  Part Rate 170%
• 5-Year PIMCO Tactical Balanced ER Point to Point with Multi-Year Participation Rate:  Part Rate 170%
• 5-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi-Year Participation Rate:  Part Rate 180%

Allianz Accumulation Advantage 20,000+

• S&P 500 Annual Point-to-Point:  Cap 6.25% 
• S&P 500 Monthly Sum:  Cap 2.50% 
• Bloomberg US Dynamic Balance Index II Annual Pt to Pt w/ Cap:  Cap 7.25% 
• PIMCO Tactical Balanced Index Annual Point-to-Point w/Cap:  Cap 7.00% 
• BlackRock iBLD Claria Index Annual Point-to-Point w/ Cap:  Cap 7.50% 
• Fixed Interest:  Rate 3.25%
• 1 Year BlackRock iBLD Claria Index Point to Point with Spread:  Spread 2.25% 
• 1 Year Bloomberg US Dynamic Balance Index II Point to Point with Spread:  Spread 2.50% 
• 1 Year PIMCO Tactical Balanced Index Point to Point with Spread:  Spread 2.75% 
• PIMCO Tactical Balanced ER Index Annual Point-to-Point w/ PR:  Part Rate 120%
• Bloomberg US Dynamic Balance ER Index II Annual Point-to-Point w/ PR:  Part Rate 125%
• BlackRock iBLD Claria ER Index Annual Point-to-Point w/ PR:  Part Rate 130%
• 2-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 210%
• 2-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 205%
• 2-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 220%
• 5-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 180%
• 5-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 175%
• 5-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 185%

Allianz Accumulation Advantage 100,000+

• S&P 500 Annual Point-to-Point:  Cap 8.00% 
• S&P 500 Monthly Sum:  Cap 2.80% 
• Bloomberg US Dynamic Balance Index II Annual Pt to Pt w/ Cap:  Cap 8.75% 
• PIMCO Tactical Balanced Index Annual Point-to-Point w/Cap:  Cap 8.50% 
• BlackRock iBLD Claria Index Annual Point-to-Point w/ Cap:  Cap 9.00% 
• Fixed Interest:  Rate 3.55%
• 1 Year BlackRock iBLD Claria Index Point to Point with Spread:  Spread 1.50% 
• 1 Year Bloomberg US Dynamic Balance Index II Point to Point with Spread:  Spread 1.75% 
• 1 Year PIMCO Tactical Balanced Index Point to Point with Spread:  Spread 2.00% 
• PIMCO Tactical Balanced ER Index Annual Point-to-Point w/ PR:  Part Rate 135%
• Bloomberg US Dynamic Balance ER Index II Annual Point-to-Point w/ PR:  Part Rate 140%
• BlackRock iBLD Claria ER Index Annual Point-to-Point w/ PR:  Part Rate 145%
• 2-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 225%
• 2-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 220%
• 2-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 240%
• 5-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 200%
• 5-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 195%
• 5-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 200%

Allianz Benefit Control 20,000+

• 1-Year S&P 500 Monthly Sum Cap:  Cap 1.90% 
• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 4.00% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Spread:  Spread 2.85% 
• 1-Year Bloomberg US Dynamic Balance Index II w/ Cap:  Cap 4.25% 
• Fixed Interest Account:  Rate 2.30%
• 1-Year PIMCO Tactical Balanced Index w/ Spread:  Spread 3.10% 
• 1-Year PIMCO Tactical Balanced Index w/ Cap:  Cap 4.25% 
• BlackRock iBLD Claria Annual Point-to-Point w/Cap:  Cap 4.25% 
• BlackRock iBLD Claria Annual Point-to-Point w/Spread:  Spread 2.60% 
• Bloomberg US Dynamic Balance II ER Annual Point-to-Point w/ PR:  Part Rate 95%
• PIMCO Tactical Balanced ER Annual Point-to-Point w/ PR:  Part Rate 90%
• BlackRock iBLD Claria ER Annual Point-to-Point w/PR:  Part Rate 100%
• 2-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 115%
• 2-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 115%
• 2-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 120%
• 5-Year Bloomberg US Dynamic Balance II ER Point to Point with Multi Year Participation Rate:  Part Rate 130%
• 5-Year PIMCO Tactical Balanced ER Point to Point with Multi Year Participation Rate:  Part Rate 130%
• 5-Year S&P 500® Futures Daily Risk Control 5% Point to Point with Multi Year Participation Rate:  Part Rate 140%

Allianz Core Income 7 Annuity 10,000+

• 1-Year S&P 500 Annual Point-to-Point Cap:  Cap 6.50% 
• 1-Year Nasdaq-100 Annual Point-to-Point Cap:  Cap 6.50% 
• 1-Year Russell 2000 Annual Point-to-Point Cap:  Cap 6.50% 
• 1-Year Bloomberg Dynamic Balance II with Spread:  Spread 1.25% 
• 1-Year Bloomberg Dynamic Balance II with Cap:  Cap 7.50% 
• Fixed Interest Account:  Rate 3.40%
• 1-Year Bloomberg US Dynamic Balance II ER Index PR:  Part Rate 140%
• 2-Year Bloomberg US Dynamic Balance II ER Index PR:  Part Rate 190%