For producer use only. Not for use with the public. Rates shown are current as of September 24, 2026 and are subject to change. The 10% S&P 500 cap and 8.25% performance trigger rate apply to the return of premium (ROP) version on the 5-, 7- and 10-year surrender charge schedules; the 3- and 4-year schedules have lower rates. Caps and trigger rates are not guaranteed rates of return. The S&P 500 one-year performance trigger strategy uses an annual point-to-point crediting method. If the index meets the trigger condition at the end of the one-year crediting period, the declared trigger rate is credited for that period; if not, the index credit is 0%. The credit does not equal the index’s actual performance, and the trigger rate is not a guaranteed rate of return. Index annuities are not securities and do not directly participate in the stock market or any index. The ROP feature applies to full contract surrender only. It does not apply to partial withdrawals or to the death benefit. This annuity includes a Market Value Adjustment (MVA), which may increase or decrease values. Surrender charges and the MVA may apply to withdrawals and surrenders, subject to the contract’s free withdrawal provisions and the surrender charge schedule selected. The 0% index floor means negative index performance does not create an index-linked loss; it does not prevent reductions from surrender charges, the MVA or withdrawals. Annuity features and benefits are subject to the claims-paying ability of the issuing insurer. Annuities are insurance products, are not FDIC insured and may lose value. “S&P 500” is a trademark of S&P Dow Jones Indices LLC. Product, features and rates may not be available in all states. Refer to the product materials and contract for complete details.