Retirement Stages Select^TM

Flexibility, choice, and security

Retirement Stages Select^TM is a fixed index annuity that offers growth potential and principal protection, setting a course toward retirement goals.

Retirement Stages Select™ Product Information

Retirement Stages Select™ fixed index annuity provides strong growth potential and downside market protection with additional asset flexibility.

Product Brochure

Rate Sheet

Product Snapshot

Retirement Stages Select™ Index and Crediting Strategies Information

Retirement Stages Select™ allows you to invest your money in one or a combination of index strategies and crediting options. Or you could choose one of two balanced and diversified multi-strategy Precision Portfolios.

Opportunity meets protection

Invest in one or a combination of strategies that offers the potential to grow based on the performance of the chosen indices, measured from the beginning to the end of the 1-year term. When the index rises, the account is credited with interest, a portion of the gain. If the chosen index falls, no interest is received, but there is no loss to the principal, which has been “locked in” and protected.

Extra protection with a guaranteed upside

At no additional cost the Guaranteed Minimum Account Value (GMAV) guarantees that if the annuity’s account value hasn’t increased by the end of the surrender period, the account value automatically increases to 110% for the five- and 115% for the seven-year of the initial premium, less any withdrawals.

Options to access money

Sometimes, it’s necessary to access money. Retirement Stages Select^TM offers options that allow withdrawals from the account value. After the first year, up to 10% of the last contract anniversary value, or a Required Minimum Distribution (RMD), is free of surrender charges. There is also the flexibility to withdraw more than the free amount, but surrender charges may apply.

Diversification

Select from a range of individual index options to diversify in changing markets or choose one of two balanced and diversified multi-strategy Precision Portfolios designed to give you a simple, tailored way to diversify your portfolio.