On The Move – January 31, 2023

January 31, 2023 – Effective Date of Change

Protective Life

Fixed Indexed Annuity

Asset Builder II 10 No ROP 10,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 6.050% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 23%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 5.900% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.700% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 102%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 131%
• Fixed:  Rate 2.10%

Asset Builder II 10 No ROP 50,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 8.000% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 32%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 7.850% 
• 1-Year S&P 500 Performance Trigger:  Cap 5.600% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 120%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 147%
• Fixed:  Rate 2.45%

Asset Builder II 10 No ROP 100,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 9.250% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 37%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 8.800% 
• 1-Year S&P 500 Performance Trigger:  Cap 6.800% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 130%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 160%
• Fixed:  Rate 2.75%

Asset Builder II 5 10,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 5.400% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 19%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 5.250% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.100% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 88%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 111%
• Fixed:  Rate 1.90%

Asset Builder II 5 50,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 6.100% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 24%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 6.000% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.550% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 102%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 127%
• Fixed:  Rate 2.15%

Asset Builder II 5 100,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 7.550% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 28%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 7.100% 
• 1-Year S&P 500 Performance Trigger:  Cap 5.600% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 110%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 140%
• Fixed:  Rate 2.20%

Asset Builder II 5 No ROP 10,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 5.950% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 21%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 5.800% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.600% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 98%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 120%
• Fixed:  Rate 2.00%

Asset Builder II 5 No ROP 50,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 7.750% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 30%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 7.600% 
• 1-Year S&P 500 Performance Trigger:  Cap 5.400% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 115%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 140%
• Fixed:  Rate 2.25%

Asset Builder II 5 No ROP 100,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 9.000% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 35%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 8.500% 
• 1-Year S&P 500 Performance Trigger:  Cap 6.600% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 120%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 150%
• Fixed:  Rate 2.50%

Asset Builder II 7 10,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 5.450% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 20%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 5.300% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.150% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 91%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 116%
• Fixed:  Rate 1.95%

Asset Builder II 7 50,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 6.150% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 25%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 6.050% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.650% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 104%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 132%
• Fixed:  Rate 2.20%

Asset Builder II 7 100,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 7.650% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 29%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 7.200% 
• 1-Year S&P 500 Performance Trigger:  Cap 5.700% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 112%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 145%
• Fixed:  Rate 2.25%

Asset Builder II 7 No ROP 10,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 6.000% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 22%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 5.850% 
• 1-Year S&P 500 Performance Trigger:  Cap 4.650% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 100%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 125%
• Fixed:  Rate 2.05%

Asset Builder II 7 No ROP 50,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 7.850% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 31%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 7.700% 
• 1-Year S&P 500 Performance Trigger:  Cap 5.500% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 117%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 145%
• Fixed:  Rate 2.35%

Asset Builder II 7 No ROP 100,000+

• 1-Year S&P 500 Point-to-Point w/ Cap:  Cap 9.100% 
• 1-Year S&P 500 Point-to-Point w/ Participation:  Part Rate 36%
• 1-Year S&P 500 Point-to-Point w/ Cap Guaranty for Term:  Cap 8.600% 
• 1-Year S&P 500 Performance Trigger:  Cap 6.700% 
• 1-Year JP Morgan Mojave Index w/ Participation:  Part Rate 122%
• 2-Year Citi Flexible Allocation 6 Excess Return w/ Participation:  Part Rate 155%
• Fixed:  Rate 2.60%

February 1, 2023 – Effective Date of Change

Americo

Fixed Indexed Annuity

Elite 5 10,000+

• Declared Interest Option:  Rate 4.50%
• 1-Year Dow Jones US Real Estate Pt-to-Pt with PR:  Part Rate 40%
• 5-Year Dow Jones US Real Estate Pt-to-Pt with Final Average with PR:  Part Rate 121%
• 1-Year S&P 500 Pt-to-Pt with PR :  Part Rate 44%
• 5-Year S&P 500 Pt-to-Pt with Final Average with PR:  Part Rate 94%
• 5-Year NASDAQ Biotechnology Pt-to-Pt with Final Average with PR :  Part Rate 76%
• 1-Year NASDAQ Biotechnology Pt-to-Pt with PR :  Part Rate 33%
• 1-Year S&P Technology Select Sector Pt-to-Pt with PR :  Part Rate 32%
• 5-Year S&P Technology Select Sector Pt-to-Pt with Final Average with PR :  Part Rate 79%
• 1-Year S&P Health Care Select Sector Pt-to-Pt with PR :  Part Rate 44%
• 5-Year S&P Health Care Select Sector Pt-to-Pt with Final Average with PR :  Part Rate 106%

Americo (Legacy)

Fixed Indexed Annuity

ClassicMark 10 10,000+

• 1-Year S&P 500 Point-to-Point :  Cap 7.800% 
• 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 63%
• 1-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 133%
• 2-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 182%
• Declared Interest Option:  Rate 4.00%
• 5-Year FUSION Strategy Fixed Rate On Gain (Part A):  Cap 2.000% 
• 5-Year FUSION Strategy Participation Rate (Part B):  Part Rate 261%
• 1-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR:  Part Rate 166%
• 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 228%
• 1-Year Gold Point to Point with Participation:  Part Rate 45%

ClassicMark 10 Plus 10,000+

• 1-Year S&P 500 Point-to-Point :  Cap 6.950% 
• 2-Year S&P 500 Point-to-Point w/ PR :  Part Rate 55%
• 1-Year Morgan Stanley TEBI Point-to-Point :  Part Rate 114%
• 2-Year Morgan Stanley TEBI Point-to-Point:  Part Rate 156%
• Declared Interest Option:  Rate 3.50%
• 1-Year SG Columbia Adaptive Risk Allocation Point-to-point W/PR :  Part Rate 143%
• 5-Year FUSION Strategy Fixed Rate On Gain (Part A) :  Cap 2.000% 
• 5-Year FUSION Strategy Participation Rate (Part B) :  Part Rate 215%
• 2-Year SG Columbia Adaptive Risk Allocation Point-to-Point w/PR :  Part Rate 196%
• 1-Year Gold Point to Point with Participation:  Part Rate 39%

LibertyMark Freedom 10 10,000+

• 1-Yr S&P 500 PTP w/Cap:  Cap 7.700% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 12.400% 
• 1-Yr S&P 500 PTP w/Par:  Part Rate 47%
• 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 66%
• 2-Yr S&P 500 PTP w/Par :  Part Rate 64%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 91%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 170%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 240%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 233%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 330%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 166%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 237%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 229%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 327%
• Declaired Interest Rate:  Rate 4.20%

LibertyMark Freedom 10 Plus 10,000+

• Declaired Interest Rate:  Rate 2.90%
• 1-Yr S&P 500 PTP w/Cap:  Cap 6.050% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 9.950% 
• 1-Yr S&P 500 PTP w/Par:  Part Rate 34%
• 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 53%
• 2-Yr S&P 500 PTP w/Par :  Part Rate 46%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 73%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 119%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 190%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 164%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 261%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 119%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 190%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 164%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 262%

LibertyMark Freedom 7 10,000+

• 1-Yr S&P 500 PTP w/Cap:  Cap 7.350% 
• 1-Yr S&P 500 PTP w/Cap with Fee:  Cap 11.000% 
• 1-Yr S&P 500 PTP w/Par:  Part Rate 44%
• 1-Yr S&P 500 PTP w/Par with Fee:  Part Rate 60%
• 2-Yr S&P 500 PTP w/Par :  Part Rate 60%
• 2-Yr S&P 500 PTP w/Par with Fee:  Part Rate 83%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 158%
• 1-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 218%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par:  Part Rate 217%
• 2-Yr SG Columbia Adaptive Risk Allocation Index PTP w/ Par with Fee:  Part Rate 300%
• 1-Yr SG Laser Index PTP w/ Par:  Part Rate 156%
• 1-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 217%
• 2-Yr SG Laser Index PTP w/ Par:  Part Rate 215%
• 2-Yr SG Laser Index PTP w/ Par with Fee:  Part Rate 299%
• Declaired Interest Rate:  Rate 3.85%

Aspida

Fixed Indexed Annuity

Synergy Choice Bonus 10 25,000+

• 1-Year Fixed Account Rate:  Rate 3.75%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.750% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 14.500% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 37%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 11.750% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 47%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 21.500% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 60%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 65%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 115%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 90%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 135%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 185%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 185%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 255%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 155%

Synergy Choice Bonus 10 100,000+

• 1-Year Fixed Account Rate:  Rate 4.00%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.500% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 15.500% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 40%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 52%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 12.500% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 50%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 22.500% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 65%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 70%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 125%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 100%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 145%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 195%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 270%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 166%

Synergy Choice Max 10 25,000+

• 1-Year Fixed Account Rate:  Rate 4.85%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.750% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 22.000% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 60%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 14.750% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 57%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 29.000% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 75%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 160%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 120%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 190%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 240%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 260%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 330%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 205%

Synergy Choice Max 10 100,000+

• 1-Year Fixed Account Rate:  Rate 5.10%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 12.500% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 23.250% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 50%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 65%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 15.500% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 60%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 30.500% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 80%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 100%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 170%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 125%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 250%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 275%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 350%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 212%

Synergy Choice Max 5 25,000+

• 1-Year Fixed Account Rate:  Rate 4.65%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.000% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 20.000% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 45%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 55%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 14.000% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 53%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 27.000% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 70%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 90%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 115%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 155%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 185%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 235%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 255%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 325%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 200%

Synergy Choice Max 5 100,000+

• 1-Year Fixed Account Rate:  Rate 4.90%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.750% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 22.000% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 46%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 60%
• 1-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 14.750% 
• 1-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 56%
• 2-Year S&P 500 Point to Point Cap Rate with Buy-Up:  Cap 28.000% 
• 2-Year S&P 500 Point to Point Participation Rate with Buy-Up:  Part Rate 75%
• 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95%
• 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 165%
• 1-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 120%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 195%
• 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 245%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 270%
• 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate with Buy-Up:  Part Rate 340%
• 2-Year Citi Aria Point to Point Participation Rate with Buy-Up:  Part Rate 210%

WealthLock Accumulator 10 25,000+

• 1-Year Fixed Account Rate:  Rate 4.85%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.750% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 22.250% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 47%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 60%
• 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 180%
• 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 250%
• 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 210%
• 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 120%
• 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 165%
• 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 380%
• 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 190%
• 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 260%

WealthLock Accumulator 10 100,000+

• 1-Year Fixed Account Rate:  Rate 5.10%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 12.500% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 23.250% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 50%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 65%
• 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 190%
• 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 270%
• 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 220%
• 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 125%
• 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 175%
• 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 410%
• 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 200%
• 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 275%

WealthLock Accumulator 7 25,000+

• 1-Year Fixed Account Rate:  Rate 4.75%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.250% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 22.000% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 45%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 58%
• 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 175%
• 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 245%
• 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 115%
• 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 160%
• 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 370%
• 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 180%
• 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 255%
• 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 200%

WealthLock Accumulator 7 100,000+

• 1-Year Fixed Account Rate:  Rate 5.00%
• 1-Year S&P 500 Point to Point Cap Rate:  Cap 12.000% 
• 2-Year S&P 500 Point to Point Cap Rate:  Cap 23.000% 
• 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 48%
• 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 63%
• 1-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 185%
• 2-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 260%
• 1-Year Janus SG Lighthouse Point to Point Participation Rate :  Part Rate 120%
• 2-Year Janus SG Lighthouse Point to Point Participation Rate:  Part Rate 170%
• 5-Year Franklin Factors US Point to Point Participation Rate :  Part Rate 400%
• 1-Year Invesco Peak Point to Point Participation Rate :  Part Rate 190%
• 2-Year Invesco Peak Point to Point Participation Rate :  Part Rate 270%
• 5-Year Franklin Factors US High Watermark Participation Rate :  Part Rate 215%

Clear Spring Life

Fixed Indexed Annuity

Highlander 10,000+

• S&P 500 1-Year Point-To-Point With Cap:  Cap 6.500% 
• S&P 500 1-Year Point-To-Point With Participation:  Part Rate 30%
• 1 Year Fixed Rate Strategy:  Rate 3.25%
• S&P 500 MARC 5% ER 1-Year Pt-to-Pt w/Participation :  Part Rate 150%

Highlander 7 10,000+

• 1 Year Fixed:  Rate 4.25%
• S&P MARC 5% ER 1-Year Pt-to-Pt w/Participation:  Part Rate 160%
• S&P 500 1-Year Pt-to-Pt w/Annual Cap:  Cap 8.500% 
• S&P 500 1-Year Pt-to-Pt w/Participation:  Part Rate 35%

TriVysta 10,000+

• S&P 500 Annual Pt-to-Pt:  Cap 9.500% 
• MS Diversified Select 1-Year Pt-to-Pt Participation:  Part Rate 150%
• MS Diversified Select 2-Year Pt-to-Pt Participation:  Part Rate 175%
• 1-Year Fixed:  Rate 4.00%
• S&P 500 Economic Cycle Factor Rotator Index 1-Year Pt-to-Pt Participation:  Part Rate 175%
• S&P 500 Daily Risk Control 5% USD Excess Return 1-Year Pt-to-Pt w/Participation:  Part Rate 160%

ViStar 10,000+

• S&P 500 w/ Cap:  Cap 9.500% 
• S&P 500 w/ Participation:  Part Rate 35%
• S&P 500 Sector Rotator Daily RC2 5% Index ER w/ Participation:  Part Rate 160%
• S&P Economic Cycle Factor Rotator Index w/ Participation:  Part Rate 160%
• S&P MARC 5% Excess Return Index w/ Participation:  Part Rate 165%
• Fixed:  Rate 4.00%

MYGA

• Preserve MYGA 10 10,000+  4.85%
• Preserve MYGA 10 250,000+  4.95%
• Preserve MYGA 3 10,000+  4.80%
• Preserve MYGA 3 250,000+  4.90%
• Preserve MYGA 4 10,000+  4.80%
• Preserve MYGA 4 250,000+  4.90%
• Preserve MYGA 5 10,000+  4.80%
• Preserve MYGA 5 250,000+  4.90%
• Preserve MYGA 6 10,000+  4.80%
• Preserve MYGA 6 250,000+  4.90%
• Preserve MYGA 7 10,000+  4.80%
• Preserve MYGA 7 250,000+  4.90%
• Preserve MYGA 8 10,000+  4.80%
• Preserve MYGA 8 250,000+  4.90%
• Preserve MYGA 9 10,000+  4.80%
• Preserve MYGA 9 250,000+  4.90%

Delaware Life

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

• 1-Year S&P 500 Point to Point with Cap Rate:  Cap 9.500% 
• 1-Year Fixed Account:  Rate 3.75%
• 1-Year S&P 500 Performance Trigger:  Cap 7.500% 
• 1-Year S&P 500 with Participation Rate:  Part Rate 35%
• 1-Year Morgan Stanley Global Opportunities:  Part Rate 140%
• 1-Year First Trust Capital Strength Barclays 5% Index Point to Point with PR:  Part Rate 150%

Target Growth 10 25,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 8.000% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 30%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 140%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 130%
• Fixed:  Rate 3.25%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 150%
• 1 Year S&P 500 Performance Trigger:  Cap 7.500% 
• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 40%

Target Growth 10 100,000+

• 1 Year S&P 500 Point-to-Point w/Cap:  Cap 9.500% 
• 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 35%
• 1 Year First Trust Capital Stength Barclays 5% Point-to-Point w/Participation:  Part Rate 155%
• 1 Year Morgan Stanley Global Opportinities Point-to-Point w/Participation:  Part Rate 145%
• Fixed:  Rate 3.50%
• 1 Year RBA Select Equity Yield CIBC 5% Point to Point w/ Participation:  Part Rate 165%
• 1 Year S&P 500 Performance Trigger:  Cap 8.000% 
• 1 Year S&P 500 Point-to-Point w/Participation & Spread:  Spread 2.00%  Part Rate 55%

Nationwide Life Insurance Company

Fixed Annuity

• Secure Growth 5 (1-Year) 10,000+  4.40%
• Secure Growth 5 (1-Year) 100,000+  4.70%
• Secure Growth 5 (1-Year) (NY) 10,000+  4.30%
• Secure Growth 5 (1-Year) (NY) 100,000+  4.60%
• Secure Growth 5 (3-Year) 10,000+  4.40%
• Secure Growth 5 (3-Year) 100,000+  4.70%
• Secure Growth 5 MVA (1-Year) 10,000+  4.50%
• Secure Growth 5 MVA (1-Year) 100,000+  4.75%
• Secure Growth 5 MVA (3-Year) 10,000+  4.50%
• Secure Growth 5 MVA (3-Year) 100,000+  4.75%
• Secure Growth 5 ROP (1-Year) 10,000+  4.10%
• Secure Growth 5 ROP (1-Year) 100,000+  4.45%
• Secure Growth 5 ROP (1-Year) (NY) 10,000+  4.05%
• Secure Growth 5 ROP (1-Year) (NY) 100,000+  4.40%
• Secure Growth 5 ROP (3-Year) 10,000+  4.10%
• Secure Growth 5 ROP (3-Year) 100,000+  4.45%
• Secure Growth 7 (1-Year) 10,000+  4.50%
• Secure Growth 7 (1-Year) 100,000+  4.75%
• Secure Growth 7 (1-Year) (NY) 10,000+  4.40%
• Secure Growth 7 (1-Year) (NY) 100,000+  4.65%
• Secure Growth 7 (3-Year) 10,000+  4.50%
• Secure Growth 7 (3-Year) 100,000+  4.75%
• Secure Growth 7 (5-Year) 10,000+  4.50%
• Secure Growth 7 (5-Year) 100,000+  4.75%
• Secure Growth 7 MVA (1-Year) 10,000+  4.60%
• Secure Growth 7 MVA (1-Year) 100,000+  4.85%
• Secure Growth 7 MVA (3-Year) 10,000+  4.60%
• Secure Growth 7 MVA (3-Year) 100,000+  4.85%
• Secure Growth 7 MVA (5-Year) 10,000+  4.60%
• Secure Growth 7 MVA (5-Year) 100,000+  4.85%
• Secure Growth 7 ROP (1-Year) 10,000+  4.15%
• Secure Growth 7 ROP (1-Year) 100,000+  4.50%
• Secure Growth 7 ROP (1-Year) (NY) 10,000+  4.10%
• Secure Growth 7 ROP (1-Year) (NY) 100,000+  4.45%
• Secure Growth 7 ROP (3-Year) 10,000+  4.15%
• Secure Growth 7 ROP (3-Year) 100,000+  4.50%
• Secure Growth 7 ROP (5-Year) 10,000+  4.15%
• Secure Growth 7 ROP (5-Year) 100,000+  4.50%

Fixed Indexed Annuity

Nationwide Peak 10 25,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 290%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 295%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 55%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 260%
• 1 Year Fixed Account:  Rate 3.65%
• AB Growth & Value Balanced Index – Option B:  Part Rate 260%
• J.P. Morgan Cycle Index – Option B:  Part Rate 275%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 230%
• S&P 500 Price Index – Option B:  Part Rate 45%
• AB Growth & Value Balanced Index – 1 Year:  Cap 9.000% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 9.000% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.000% 
• S&P 500 Price Index – 1 Year:  Cap 6.500% 
• BNPP Global H-Factor Index – 1 Year:  Cap 9.000% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 335%
• BNPP Global H-Factor Index – Option B:  Part Rate 305%

Nationwide Peak 10 100,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 305%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 310%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 60%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 275%
• 1 Year Fixed Account:  Rate 3.90%
• AB Growth & Value Balanced Index – Option B:  Part Rate 275%
• J.P. Morgan Cycle Index – Option B:  Part Rate 290%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 240%
• S&P 500 Price Index – Option B:  Part Rate 50%
• AB Growth & Value Balanced Index – 1 Year:  Cap 10.000% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 10.000% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 10.000% 
• S&P 500 Price Index – 1 Year:  Cap 7.000% 
• BNPP Global H-Factor Index – 1 Year:  Cap 10.000% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 345%
• BNPP Global H-Factor Index – Option B:  Part Rate 325%

Nationwide Peak 10 Compact 25,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 280%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 295%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 50%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 255%
• AB Growth & Value Balanced Index – Option B:  Part Rate 255%
• J.P. Morgan Cycle Index – Option B:  Part Rate 270%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 225%
• S&P 500 Price Index – Option B:  Part Rate 45%
• AB Growth & Value Balanced Index – 1 Year:  Cap 8.500% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 8.500% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 8.500% 
• S&P 500 Price Index – 1 Year:  Cap 6.250% 
• Fixed:  Rate 3.30%
• BNPP Global H-Factor Index – 1 Year:  Cap 8.500% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 315%
• BNPP Global H-Factor Index – Option B:  Part Rate 300%

Nationwide Peak 10 Compact 100,000+

• AB Growth & Value Balanced Index – Option A:  Spread 1.00%  Part Rate 295%
• J.P. Morgan Cycle Index – Option A:  Spread 1.00%  Part Rate 310%
• S&P 500 Price Index – Option A:  Spread 1.00%  Part Rate 55%
• S&P 500 Average Daily Risk Control 5% Index – Option A:  Spread 1.00%  Part Rate 270%
• AB Growth & Value Balanced Index – Option B:  Part Rate 270%
• J.P. Morgan Cycle Index – Option B:  Part Rate 285%
• S&P 500 Average Daily Risk Control 5% Index – Option B :  Part Rate 235%
• S&P 500 Price Index – Option B:  Part Rate 50%
• AB Growth & Value Balanced Index – 1 Year:  Cap 9.500% 
• J.P. Morgan Cycle Index – 1 Year:  Cap 9.500% 
• S&P 500 Average Daily Risk Control 5% Index – 1 Year:  Cap 9.500% 
• S&P 500 Price Index – 1 Year:  Cap 6.750% 
• Fixed:  Rate 3.55%
• BNPP Global H-Factor Index – 1 Year:  Cap 9.500% 
• BNPP Global H-Factor Index – Option A:  Spread 1.00%  Part Rate 345%
• BNPP Global H-Factor Index – Option B:  Part Rate 315%

Oxford Life Insurance Company

MYGA

• Multi-Select 10 20,000+  5.05%
• Multi-Select 3 20,000+  4.40%
• Multi-Select 4 20,000+  4.65%
• Multi-Select 5 20,000+  4.70%
• Multi-Select 6 20,000+  4.95%
• Multi-Select 7 20,000+  4.90%
• Multi-Select 8 20,000+  5.00%
• Multi-Select 9 20,000+  5.00%

February 4, 2023

Athene IA

MYGA

• Athene Max Rate 3 10,000+  4.45%
• Athene Max Rate 3 100,000+  4.70%
• Athene Max Rate 3 (state specific) 10,000+  4.45%
• Athene Max Rate 3 (state specific) 100,000+  4.70%
• Athene Max Rate 5 10,000+  4.95%
• Athene Max Rate 5 100,000+  5.35%
• Athene Max Rate 5 (state specific) 10,000+  4.90%
• Athene Max Rate 5 (state specific) 100,000+  5.30%
• Athene Max Rate 7 10,000+  5.00%
• Athene Max Rate 7 100,000+  5.40%
• Athene Max Rate 7 (state specific) 10,000+  4.95%
• Athene Max Rate 7 (state specific) 100,000+  5.35%
• Athene MYG 3 5,000+  4.25%
• Athene MYG 3 100,000+  4.60%
• Athene MYG 3 MVA 5,000+  4.50%
• Athene MYG 3 MVA 100,000+  4.85%
• Athene MYG 3 ROP 5,000+  4.10%
• Athene MYG 3 ROP 100,000+  4.35%
• Athene MYG 5 5,000+  4.60%
• Athene MYG 5 100,000+  5.00%
• Athene MYG 5 MVA 5,000+  4.85%
• Athene MYG 5 MVA 100,000+  5.25%
• Athene MYG 5 ROP 5,000+  4.35%
• Athene MYG 5 ROP 100,000+  4.75%
• Athene MYG 7 5,000+  4.70%
• Athene MYG 7 100,000+  5.10%
• Athene MYG 7 MVA 5,000+  4.90%
• Athene MYG 7 MVA 100,000+  5.30%
• Athene MYG 7 ROP 5,000+  4.40%
• Athene MYG 7 ROP 100,000+  4.80%