A fixed index annuity product that protects and grows retirement savings

It provides downside protection and upside opportunity, which makes Growth Pathway® a smart choice for any financial strategy.

Protect and grow savings

Benefit from the security of a more stable and predictable annuity product.

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DL-23_Abstract graphics__Growth

Built-in features, no additional cost

Bailout provision allows full or partial withdrawals without a surrender charge or market value adjustment (MVA) if the renewal cap for the S&P 500® 1-year point-to-point strategy is below the bailout cap rate. No index allocation is required.

Extra protection

Growth Pathway® includes, at no additional cost, the Guaranteed Minimum Account Value (GMAV) feature. If the account value has not grown by a minimum amount, GMAV ensures a minimum percentage of credited interest after your annuity’s 5-year or 7-year surrender period ends.

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Growth Pathway® Legal Disclosure

All products and/or options may not be available in all states. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with complete details. For use with policy forms ICC17-DLIC-FIA-17, ICC17- GLWB-03, ICC15-DLIC-TIW-01 and ICC15-DLIC-NHW-01. Policy and rider form numbers may vary by state.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of the GLWB benefit.

Fixed index annuities are not securities and do not participate directly in the stock market or any index, and are not investments. It is not possible to invest directly in an index.