historical performance report€¦ · us.spindices.com this index includes 100 of the largest...
TRANSCRIPT
CARRIER: North AmericanAM BEST RATING: A+
PRODUCT TYPE: Index AnnuitiesREPORT ID #:
S&P 500
S&P 500 With 5% Volatility Control
S&P 500 With 8% Volatility Control
S&P 500 MARC 5% INDEX
S&P 400
NASDAQ-100
Russell 2000
Dow Jones Industrial Average
Dow Euro Stoxx 50
Hang Seng Index
The S&P MARC 5% (Multi-Asset Risk Control) Index seeks to provide multi-asset diversification within a simple risk weighting framework, tracking three underlying
component indices that represent three asset classes: equities, commodities, and fixed income. Source: us.spindices.com
This index is based upon the S&P 500 which is the top 500 U.S. based stocks from large capital companies. The volatility control aspect is a rebalancing of the S&P
500 based upon movements in the volitility of the index. The 5% represents the degree that triggers the rebalancing.
This index is based upon the S&P 500 which is the top 500 U.S. based stocks from large capital companies. The volatility control aspect is a rebalancing of the S&P
500 based upon movements in the volitility of the index. The 8% represents the degree that triggers the rebalancing.
The S&P MidCap 400® provides investors with a benchmark for mid-sized companies. The index, which is distinct from the large-cap S&P 500®,
measures the performance of mid-sized companies, reflecting the distinctive risk and return characteristics of this market segment. Source:
us.spindices.com
This index includes 100 of the largest domestic and international non-financial companies listed on The Nasdaq Stock Market based on market capitalization. The
Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It
does not contain securities of financial companies including investment companies. Source: www.nasdaq.com
This index is an index measuring the performance of approximately 2,000 small-cap companies in the Russell 3000 Index, which is made up of 3,000 of the biggest
U.S. stocks. The Russell 2000 serves as a benchmark for small-cap stocks in the United States. Source: www.investopedia.com
The Dow Jones Industrial Average® (The Dow®), is a price-weighted measure of 30 U.S. blue-chip companies. The index covers all industries except transportation and
utilities. Source: us.spindices.com
The EURO STOXX 50 Index, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the region. The index
covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain. Source:
www.stoxx.com
The index includes the largest and most liquid stocks listed in Hong Kong. Stocks are freefloat-adjusted for investability representation, 10% capping is applied to
avoid single stock domination. Four sector sub-indexes are also available. Sub-indexes: Finance, Utilities, Properties, Commerce & Industry. Source: www.hsi.com
Historical Performance ReportThis report will provide you with a 10 year back-test performance history of each Fixed Indexed Product offered by North American. This report is only a historical
reference. It is not a guarantee of future results. The annual performance is based upon current carrier offered rates, and those rates remain unchanged throughout
the 10 year back-test. In the future, the carrier reserves the right to raise or lower the rates. They cannot however, lower the rates below the guaranteed minimum
rates estabilished in the policy contract. The information in this report can be used to assist in the allocation process of each of these Fixed Indexed Annuity products.
All rates are current as of the the first day of the month referrenced in the time frame below. Rates are based upon the maximum premium band and the maximum
bonus. Annuitants age and the state the annuity is purchased in may alter the rates in this report. Contact the carrier for current rates. Rates are subject to change
without notification. This report is for agent use only, not for use with the general public.
TIME FRAME
January-09to
7437562 January-19
REPRESENTED INDICES:
The S&P 500 represents the top 500 U.S. based stocks from large capital companies divided up into 11 sectors. The sectors are: Energy, Materials, Industrials,
Consumer Discretionary, Consumer Staples, Health Care, Financials, Information Technology, Telecommunications Services, Utilies, and Real Estate.
REPORT ID #: to Jan-19
Ten Year Index Performance With No Crediting Methods Applied
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
-50.00%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
300.00%
350.00%
400.00%
450.00%
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
S&P 500 S&P 500 VC 5% S&P 500 VC 8% S&P 500 MARC 5% S&P 400
Russell 2000 NASDAQ 100 Dow Jones EuroStoxx 50 Hang Seng
TERM
14
14
14
14
14
14
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 22,686.22 24,707.41 8.91% 11.25%
10-11 26,149.39 22,461.40 -14.10% 5.74%
11-12 19,864.09 18,310.53 -7.82% 1.88%
12-13 16,466.30 17,429.74 5.85% 3.18%
13-14 17,164.95 16,984.62 -1.05% 8.44%
14-15 15,698.85 15,237.10 -2.94% 6.96%
15-16 13,860.58 13,106.22 -5.44% 1.31%
16-17 12,632.91 12,155.17 -3.78% 9.52%
17-18 11,891.93 10,746.98 -9.63% 11.11%
18-19 10,067.33 9,060.04 -10.01% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 7.10%
10-11 1132.99 1271.87 12.26% 7.10%
11-12 1271.87 1312.41 3.19% 3.19%
12-13 1312.41 1498.11 14.15% 7.10%
13-14 1498.11 1782.59 18.99% 7.10%
14-15 1782.59 1994.99 11.92% 7.10%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 7.10%
17-18 2278.87 2823.81 23.91% 7.10%
18-19 2823.81 2447.89 -13.31% 0.00%
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 931.80 974.11 4.54% 4.31%
10-11 1132.99 1147.18 1.25% 1.19%
11-12 1271.87 1282.95 0.87% 0.83%
12-13 1312.41 1401.98 6.82% 6.48%
13-14 1498.11 1676.00 11.87% 11.28%
14-15 1782.59 1962.11 10.07% 9.57%
15-16 1994.99 2047.37 2.63% 2.49%
16-17 1940.24 2134.05 9.99% 9.49%
17-18 2278.87 2505.38 9.94% 9.44%
18-19 2823.81 2707.07 -4.13% 0.00%
REPORT ID #: to Jan-19
RETURN
1 Year DJI Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 85% 0.00% 5.87%
North American NAC BenefitSolutions 14BONUS TRIGGER CAP SPREAD PAR P-FEE
0.00% 4.32%1 Year S&P 500 Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 95% 0.00% 5.43%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 0.00% 0.00% 0.00% 0.80% 100%
0.00% 4.04%1 Year S&P 500 Annual Point-to-Point Index Cap Rate 0.00% 0.00% 7.10% 0.00% 100% 0.00% 5.25%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 2.05% 0.00% 100%
C-APL CUMULATIVE
11.25% 09-10 1476.42 2147.35 45.44% 2.26% 2.26%
0.00% 5.63%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJI Monthly Averaging with Participation Rate 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 2.70% 0.00% 100%
0.64%
6.04% 13-14 3142.13 4103.88 30.61% 12.53% 2.91%
5.45% 12-13 2813.84 3142.13 11.67% 0.31%
1.12%
6.22% 11-12 2700.08 2813.84 4.21% 0.00% 0.75%
8.46% 10-11 2147.35 2700.08 25.74% 0.00%
2.96%
6.54% 17-18 5614.79 7411.48 32.00% 17.64% 4.50%
5.98% 16-17 4613.95 5614.79 21.69% 7.59%
2.71%
5.48% 15-16 4635.24 4613.95 -0.46% 0.00% 2.32%
6.20% 14-15 4103.88 4635.24 12.95% 1.70%
0.00%
7.10% 10-11 142.84 149.90 4.94% 14.17% 6.85%
7.10% 09-10 134.70 142.84 6.04% 0.00%
4.04%
1 Year S&P 500 Annual Point-to-Point Index Cap Rate 1 Year S&P 500 Low Volatility Daily RC 5% Index Margin
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
5.87% 18-19 7411.48 6463.50 -12.79% 0.00%
4.14%
6.44% 14-15 171.42 178.72 4.26% 9.57% 5.03%
6.31% 13-14 155.31 171.42 10.37% 3.46%
5.80%
6.11% 12-13 148.58 155.31 4.53% 0.00% 4.32%
5.78% 11-12 149.90 148.58 -0.88% 3.72%
4.22%
5.25% 18-19 210.32 210.22 -0.05% 5.24% 4.32%
5.85% 17-18 182.94 210.32 14.97% 4.14%
4.84%
5.69% 16-17 175.03 182.94 4.52% 0.00% 4.22%
5.49% 15-16 178.72 175.03 -2.06% 3.73%
0.00%
2.74% 10-11 1132.99 1271.87 12.26% 0.00% 0.00%
4.31% 09-10 931.80 1132.99 21.59% 0.00%
1 Year S&P 500 Monthly Averaging with Participation Rate 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.09%
5.54% 14-15 1782.59 1994.99 11.92% 8.91% 4.88%
4.75% 13-14 1498.11 1782.59 18.99% 12.66%
0.00%
3.18% 12-13 1312.41 1498.11 14.15% 8.46% 2.05%
2.10% 11-12 1271.87 1312.41 3.19% 0.00%
6.28%
5.43% 18-19 2823.81 2447.89 -13.31% 0.00% 5.63%
6.05% 17-18 2278.87 2823.81 23.91% 17.12%
4.17%
5.64% 16-17 1940.24 2278.87 17.45% 11.00% 5.00%
5.10% 15-16 1994.99 1940.24 -2.74% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
|----------------------CREDITING METHODS----------------------|
TERM
14
14
14
14
14
14
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 22,686.22 24,707.41 8.91% 11.25%
10-11 26,149.39 22,461.40 -14.10% 5.74%
11-12 19,864.09 18,310.53 -7.82% 1.88%
12-13 16,466.30 17,429.74 5.85% 3.18%
13-14 17,164.95 16,984.62 -1.05% 8.44%
14-15 15,698.85 15,237.10 -2.94% 6.96%
15-16 13,860.58 13,106.22 -5.44% 1.31%
16-17 12,632.91 12,155.17 -3.78% 9.52%
17-18 11,891.93 10,746.98 -9.63% 11.11%
18-19 10,067.33 9,060.04 -10.01% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 7.10%
10-11 1132.99 1271.87 12.26% 7.10%
11-12 1271.87 1312.41 3.19% 3.19%
12-13 1312.41 1498.11 14.15% 7.10%
13-14 1498.11 1782.59 18.99% 7.10%
14-15 1782.59 1994.99 11.92% 7.10%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 7.10%
17-18 2278.87 2823.81 23.91% 7.10%
18-19 2823.81 2447.89 -13.31% 0.00%
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 931.80 974.11 0.00% 4.31%
10-11 1132.99 1147.18 23.11% 1.19%
11-12 1271.87 1282.95 0.00% 0.83%
12-13 1312.41 1401.98 10.23% 6.48%
13-14 1498.11 1676.00 0.00% 11.28%
14-15 1782.59 1962.11 30.97% 9.57%
15-16 1994.99 2047.37 0.00% 2.49%
16-17 1940.24 2134.05 6.97% 9.49%
17-18 2278.87 2505.38 0.00% 9.44%
18-19 2823.81 2707.07 18.79% 0.00%
REPORT ID #: to Jan-19
P-FEE RETURN
1 Year DJI Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 85% 0.00% 5.87%
North American NAC BenefitSolutions 14 (FL,IN,MD,MS)BONUS TRIGGER CAP SPREAD PAR
0.00% 4.32%1 Year S&P 500 Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 95% 0.00% 5.43%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 0.00% 0.00% 0.00% 0.80% 100%
0.00% 4.04%1 Year S&P 500 Annual Point-to-Point Index Cap Rate 0.00% 0.00% 7.10% 0.00% 100% 0.00% 5.25%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 2.05% 0.00% 100%
C-APL CUMULATIVE
11.25% 09-10 1476.42 2147.35 45.44% 2.26% 2.26%
0.00% 5.63%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJI Monthly Averaging with Participation Rate 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 2.70% 0.00% 100%
0.64%
6.04% 13-14 3142.13 4103.88 30.61% 12.53% 2.91%
5.45% 12-13 2813.84 3142.13 11.67% 0.31%
1.12%
6.22% 11-12 2700.08 2813.84 4.21% 0.00% 0.75%
8.46% 10-11 2147.35 2700.08 25.74% 0.00%
2.96%
6.54% 17-18 5614.79 7411.48 32.00% 17.64% 4.50%
5.98% 16-17 4613.95 5614.79 21.69% 7.59%
2.71%
5.48% 15-16 4635.24 4613.95 -0.46% 0.00% 2.32%
6.20% 14-15 4103.88 4635.24 12.95% 1.70%
0.00%
7.10% 10-11 142.84 149.90 4.94% 14.17% 6.85%
7.10% 09-10 134.70 142.84 6.04% 0.00%
4.04%
1 Year S&P 500 Annual Point-to-Point Index Cap Rate 1 Year S&P 500 Low Volatility Daily RC 5% Index Margin
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
5.87% 18-19 7411.48 6463.50 -12.79% 0.00%
4.14%
6.44% 14-15 171.42 178.72 4.26% 9.57% 5.03%
6.31% 13-14 155.31 171.42 10.37% 3.46%
5.80%
6.11% 12-13 148.58 155.31 4.53% 0.00% 4.32%
5.78% 11-12 149.90 148.58 -0.88% 3.72%
4.22%
5.25% 18-19 210.32 210.22 -0.05% 5.24% 4.32%
5.85% 17-18 182.94 210.32 14.97% 4.14%
4.84%
5.69% 16-17 175.03 182.94 4.52% 0.00% 4.22%
5.49% 15-16 178.72 175.03 -2.06% 3.73%
0.00%
2.74% 10-11 1132.99 1271.87 12.26% 0.00% 0.00%
4.31% 09-10 931.80 1132.99 21.59% 0.00%
1 Year S&P 500 Monthly Averaging with Participation Rate 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.09%
5.54% 14-15 1782.59 1994.99 11.92% 8.91% 4.88%
4.75% 13-14 1498.11 1782.59 18.99% 12.66%
0.00%
3.18% 12-13 1312.41 1498.11 14.15% 8.46% 2.05%
2.10% 11-12 1271.87 1312.41 3.19% 0.00%
6.28%
5.43% 18-19 2823.81 2447.89 -13.31% 0.00% 5.63%
6.05% 17-18 2278.87 2823.81 23.91% 17.12%
4.17%
5.64% 16-17 1940.24 2278.87 17.45% 11.00% 5.00%
5.10% 15-16 1994.99 1940.24 -2.74% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
|----------------------CREDITING METHODS----------------------|
TERM
14
14
14
14
14
14
14
YEARS BEG-PR END-PR I/Y C-APL
09-10 1,476.42 2,147.35 45.44% 0.00%
10-11 2,147.35 2,700.08 25.74% 0.00%
11-12 2,700.08 2,813.84 4.21% 0.00%
12-13 2,813.84 3,142.13 11.67% 0.00%
13-14 3,142.13 4,103.88 30.61% 7.50%
14-15 4,103.88 4,635.24 12.95% 0.00%
15-16 4,635.24 4,613.95 -0.46% 0.00%
16-17 4,613.95 5,614.79 21.69% 3.19%
17-18 5,614.79 7,411.48 32.00% 13.01%
18-19 7,411.48 6,463.50 -12.79% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 7.56%
10-11 1132.99 1271.87 12.26% 4.29%
11-12 1271.87 1312.41 3.19% 1.12%
12-13 1312.41 1498.11 14.15% 4.95%
13-14 1498.11 1782.59 18.99% 6.65%
14-15 1782.59 1994.99 11.92% 4.17%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 6.11%
17-18 2278.87 2823.81 23.91% 8.37%
18-19 2823.81 2447.89 -13.31% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 134.70 142.84 6.04% 0.00%
10-11 142.84 149.90 4.94% 11.97%
11-12 149.90 148.58 -0.88% 1.52%
12-13 148.58 155.31 4.53% 0.00%
13-14 155.31 171.42 10.37% 1.26%
14-15 171.42 178.72 4.26% 7.37%
15-16 178.72 175.03 -2.06% 1.53%
16-17 175.03 182.94 4.52% 0.00%
17-18 182.94 210.32 14.97% 1.94%
18-19 210.32 210.22 -0.05% 3.04%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1373.90 0.00 0.00% 0.00%
10-11 0.00 1760.13 28.11% 23.96%
11-12 1760.13 0.00 0.00% 0.00%
12-13 0.00 2012.68 14.35% 10.20%
13-14 2012.68 0.00 0.00% 0.00%
14-15 0.00 2522.20 25.32% 21.17%
15-16 2522.20 0.00 0.00% 0.00%
16-17 0.00 2679.98 6.26% 2.11%
17-18 2679.98 0.00 0.00% 0.00%
18-19 3254.63 3242.41 20.99% 16.84%
REPORT ID #: to Jan-19
P-FEE RETURN
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 10.00% 0.00% 1.40% 0.00% 100% 0.00% 3.27%
North American Charter Plus 14BONUS TRIGGER CAP SPREAD PAR
0.00% 3.63%1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 10.00% 0.00% 0.00% 3.00% 100% 0.00% 3.78%
1 Year S&P 500 Daily Index Margin (No Cap) 10.00% 0.00% 0.00% 2.45% 100%
0.00% 4.20%1 Year S&P 500 Annual P-to-P Par Rate (No Cap) 10.00% 0.00% 0.00% 0.00% 35% 0.00% 5.28%
1 Year S&P 500 Annual Point-to-Point Index Cap Rate 10.00% 0.00% 4.15% 0.00% 100%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 1 Year S&P 500 Annual Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
0.00% 4.34%2-Year S&P 500 Low Volatility Daily RC 8% Index Margin 10.00% 0.00% 0.00% 4.15% 100% 0.00% 8.07%1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 10.00% 0.00% 1.65% 0.00% 100%
7.18%
2.41% 12-13 1312.41 1498.11 14.15% 4.15% 6.41%
3.23% 11-12 1271.87 1312.41 3.19% 3.19%
14.57%
4.88% 10-11 1132.99 1271.87 12.26% 4.15% 9.23%
10.00% 09-10 931.80 1132.99 21.59% 4.15%
4.83%
2.52% 16-17 1940.24 2278.87 17.45% 4.15% 4.74%
2.42% 15-16 1994.99 1940.24 -2.74% 0.00%
5.96%
2.83% 14-15 1782.59 1994.99 11.92% 4.15% 5.65%
3.41% 13-14 1498.11 1782.59 18.99% 4.15%
1 Year S&P 500 Annual P-to-P Par Rate (No Cap) 1 Year S&P 500 Daily Index Margin (No Cap)
CUMULATIVE YEARS BEG-PR AVE-PR I/Y C-APL CUMULATIVE
4.68%
3.27% 18-19 2823.81 2447.89 -13.31% 0.00% 4.20%
3.64% 17-18 2278.87 2823.81 23.91% 4.15%
3.23%
6.97% 12-13 1312.41 1380.00 4.53% 5.61% 3.82%
7.65% 11-12 1271.87 1267.60 -0.88% 0.00%
10.00%
11.08% 10-11 1132.99 1139.50 4.94% 0.00% 4.88%
18.31% 09-10 931.80 948.05 6.04% 0.00%
3.98%
5.58% 16-17 1940.24 2094.08 4.52% 1.60% 3.68%
5.50% 15-16 1994.99 2061.08 -2.06% 0.00%
4.99%
6.45% 14-15 1782.59 1932.27 4.26% 3.06% 4.66%
6.91% 13-14 1498.11 1646.01 10.37% 9.79%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.04%
5.28% 18-19 2823.81 2745.47 -0.05% 0.00% 3.63%
5.88% 17-18 2278.87 2449.22 14.97% 6.95%
3.23%
5.74% 12-13 1312.41 1498.11 14.15% 3.16% 3.21%
7.73% 11-12 1271.87 1312.41 3.19% 0.00%
10.00%
10.98% 10-11 1132.99 1271.87 12.26% 0.00% 4.88%
10.00% 09-10 931.80 1132.99 21.59% 0.00%
3.36%
4.11% 16-17 1940.24 2278.87 17.45% 7.54% 3.87%
4.71% 15-16 1994.99 1940.24 -2.74% 0.00%
3.79%
5.25% 14-15 1782.59 1994.99 11.92% 4.63% 3.93%
4.83% 13-14 1498.11 1782.59 18.99% 6.12%
8.49%
10.50%
8.94%
8.06%
7.13%
8.07%
2-Year S&P 500 Low Volatility Daily RC 8% Index Margin
CUMULATIVE
10.00%
16.77%
10.89%
10.72%
4.83%
3.78% 18-19 2823.81 2745.47 -2.77% 0.00% 4.34%
3.87% 17-18 2278.87 2823.81 23.91% 12.84%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
|----------------------CREDITING METHODS----------------------|
TERM
12
12
12
12
12
12
12
12
12
12
12
12
YEARS BEG-PR END-PR I/Y C-APL
09-10 2,553.41 3,017.80 18.19% 8.60%
10-11 3,017.80 2,839.43 -5.91% 0.00%
11-12 2,839.43 2,389.91 -15.83% 0.00%
12-13 2,389.91 2,701.22 13.03% 8.60%
13-14 2,701.22 3,074.43 13.82% 8.60%
14-15 3,074.43 3,023.14 -1.67% 0.00%
15-16 3,023.14 3,164.76 4.68% 4.68%
16-17 3,164.76 3,315.02 4.75% 4.75%
17-18 3,315.02 3,509.88 5.88% 5.88%
18-19 3,509.88 2,993.18 -14.72% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 12811.57 20608.70 60.86% 7.05%
10-11 20608.70 23338.02 13.24% 7.05%
11-12 23338.02 21680.08 -7.10% 0.00%
12-13 21680.08 23020.27 6.18% 6.18%
13-14 23020.27 22836.96 -0.80% 0.00%
14-15 22836.96 24823.29 8.70% 7.05%
15-16 24823.29 19111.93 -23.01% 0.00%
16-17 19111.93 23740.73 24.22% 7.05%
17-18 23740.73 30844.72 29.92% 7.05%
18-19 30844.72 25626.03 -16.92% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1476.42 2147.35 45.44% 4.95%
10-11 2147.35 2700.08 25.74% 4.95%
11-12 2700.08 2813.84 4.21% 4.21%
12-13 2813.84 3142.13 11.67% 4.95%
13-14 3142.13 4103.88 30.61% 4.95%
14-15 4103.88 4635.24 12.95% 4.95%
15-16 4635.24 4613.95 -0.46% 0.00%
16-17 4613.95 5614.79 21.69% 4.95%
17-18 5614.79 7411.48 32.00% 4.95%
18-19 7411.48 6463.50 -12.79% 0.00%
REPORT ID #: to Jan-19
P-FEE RETURN
1 Year DJ EuroStoxx 50 Point-to-Point 0.00% 0.00% 8.60% 0.00% 100% 0.00% 4.05%
North American Performance Choice 12BONUS TRIGGER CAP SPREAD PAR
0.00% 3.34%1 Year NASDAQ 100 Point-to-Point 0.00% 0.00% 4.95% 0.00% 100% 0.00% 3.87%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 1.85% 0.00% 100%
0.00% 4.44%1 Year Hang Seng Point-to-Point 0.00% 0.00% 7.05% 0.00% 100% 0.00% 4.09%
1 Year Dow Jones Point-to-Point 0.00% 0.00% 4.95% 0.00% 100%
0.00% 4.65%1 Year S&P 500 Point-to-Point 0.00% 0.00% 5.60% 0.00% 100% 0.00% 4.21%
1 Year S&P 500 Monthly Point-to-Point Index Cap 0.00% 0.00% 2.15% 0.00% 100%
0.00% 3.43%1 Year S&P 400 Point-to-Point 0.00% 0.00% 4.75% 0.00% 100% 0.00% 3.43%
1 Year Russell 2000 Point-to-Point 0.00% 0.00% 5.00% 0.00% 100%
0.00% 3.70%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJ EuroStoxx 50 Point-to-Point 1 Year Dow Jones Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Low Volatility Daily RC 5% Index 0.00% 0.00% 0.00% 1.70% 100%
0.00% 5.88%Inverse Performance Trigger 0.00% 7.60% 0.00% 0.00% 100% 0.00% 1.48%
S&P MARC 5% ER 0.00% 0.00% 0.00% 0.00% 100%
4.95%
2.79% 11-12 11891.93 12632.91 6.23% 4.95% 4.95%
4.21% 10-11 10067.33 11891.93 18.12% 4.95%
C-APL CUMULATIVE
8.60% 09-10 8000.86 10067.33 25.83% 4.95% 4.95%
4.95%
4.28% 15-16 17164.95 16466.30 -4.07% 0.00% 4.23%
4.21% 14-15 15698.85 17164.95 9.34% 4.95%
4.95%
5.07% 13-14 13860.58 15698.85 13.26% 4.95% 4.95%
4.21% 12-13 12632.91 13860.58 9.72% 4.95%
4.44%
1 Year Hang Seng Point-to-Point 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.05% 18-19 26149.39 22686.22 -13.24% 4.95%
4.32%
4.51% 17-18 19864.09 26149.39 31.64% 4.95% 4.39%
4.34% 16-17 16466.30 19864.09 20.63% 4.95%
0.22%
5.03% 12-13 2813.84 3142.13 11.67% 0.00% 0.16%
4.65% 11-12 2700.08 2813.84 4.21% 0.00%
0.66%
7.05% 10-11 2147.35 2700.08 25.74% 0.00% 0.33%
7.05% 09-10 1476.42 2147.35 45.44% 0.66%
1.68%
4.24% 16-17 4613.95 5614.79 21.69% 6.34% 2.25%
3.85% 15-16 4635.24 4613.95 -0.46% 0.00%
2.26%
4.50% 14-15 4103.88 4635.24 12.95% 0.50% 1.97%
4.00% 13-14 3142.13 4103.88 30.61% 11.10%
1 Year NASDAQ 100 Point-to-Point 1 Year Russell 2000 Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.72%
4.09% 18-19 7411.48 6463.50 -12.79% 0.00% 3.34%
4.55% 17-18 5614.79 7411.48 32.00% 16.24%
3.81%
4.77% 12-13 792.82 902.09 13.78% 5.00% 4.11%
4.70% 11-12 781.25 792.82 1.48% 1.48%
5.00%
4.95% 10-11 602.04 781.25 29.77% 5.00% 5.00%
4.95% 09-10 443.53 602.04 35.74% 5.00%
3.49%
4.23% 16-17 1035.38 1361.82 31.53% 5.00% 3.67%
4.12% 15-16 1165.39 1035.38 -11.16% 0.00%
4.29%
4.83% 14-15 1130.88 1165.39 3.05% 3.05% 4.08%
4.80% 13-14 902.09 1130.88 25.36% 5.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
3.82%
3.87% 18-19 1574.98 1330.83 -15.50% 0.00% 3.43%
4.31% 17-18 1361.82 1574.98 15.65% 5.00%
|----------------------CREDITING METHODS----------------------|
YEARS BEG-PR END-PR I/Y C-APL
09-10 498.68 702.80 40.93% 4.75%
10-11 702.80 924.77 31.58% 4.75%
11-12 924.77 936.51 1.27% 1.27%
12-13 936.51 1,093.96 16.81% 4.75%
13-14 1,093.96 1,313.08 20.03% 4.75%
14-15 1,313.08 1,435.10 9.29% 4.75%
15-16 1,435.10 1,317.74 -8.18% 0.00%
16-17 1,317.74 1,687.19 28.04% 4.75%
17-18 1,687.19 1,953.97 15.81% 4.75%
18-19 1,953.97 1,631.56 -16.50% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 5.60%
10-11 1132.99 1271.87 12.26% 5.60%
11-12 1271.87 1312.41 3.19% 3.19%
12-13 1312.41 1498.11 14.15% 5.60%
13-14 1498.11 1782.59 18.99% 5.60%
14-15 1782.59 1994.99 11.92% 5.60%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 5.60%
17-18 2278.87 2823.81 23.91% 5.60%
18-19 2823.81 2745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 0.00%
10-11 1132.99 1271.87 12.26% 0.00%
11-12 1271.87 1312.41 3.19% 0.00%
12-13 1312.41 1498.11 14.15% 0.00%
13-14 1498.11 1782.59 18.99% 0.00%
14-15 1782.59 1994.99 11.92% 0.00%
15-16 1994.99 1940.24 -2.74% 7.60%
16-17 1940.24 2278.87 17.45% 0.00%
17-18 2278.87 2823.81 23.91% 0.00%
18-19 2823.81 2745.47 -2.77% 7.60%
REPORT ID #: to Jan-19
Performance Choice 12 Continued…
1 Year S&P 400 Point-to-Point 1 Year S&P 500 Monthly Point-to-Point Index Cap
0.00%
3.58% 11-12 1271.87 1312.41 3.19% 0.00% 0.00%
4.75% 10-11 1132.99 1271.87 12.26% 0.00%
CUMULATIVE
4.75% 09-10 931.80 1132.99 21.59% 0.00% 0.00%
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL
3.76%
3.56% 15-16 1994.99 1940.24 -2.74% 0.00% 3.22%
4.16% 14-15 1782.59 1994.99 11.92% 7.34%
1.46%
4.04% 13-14 1498.11 1782.59 18.99% 9.70% 3.06%
3.87% 12-13 1312.41 1498.11 14.15% 5.98%
4.65%
1 Year S&P 500 Point-to-Point S&P MARC 5% ER
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.43% 18-19 2823.81 2745.47 -2.77% 0.00%
3.96%
3.82% 17-18 2278.87 2823.81 23.91% 15.40% 5.18%
3.71% 16-17 1940.24 2278.87 17.45% 9.35%
10.59%
4.99% 12-13 265.89 282.25 6.15% 6.15% 9.47%
4.79% 11-12 238.98 265.89 11.26% 11.26%
7.60%
5.60% 10-11 211.50 238.98 12.99% 12.99% 10.26%
5.60% 09-10 196.57 211.50 7.60% 7.60%
6.28%
4.58% 16-17 281.87 294.69 4.55% 4.55% 6.06%
4.44% 15-16 290.70 281.87 -3.04% 0.00%
7.50%
5.19% 14-15 272.59 290.70 6.64% 6.64% 7.36%
5.11% 13-14 282.25 272.59 -3.42% 0.00%
Inverse Performance Trigger 1 Year S&P 500 Low Volatility Daily RC 5% Index
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
6.55%
4.21% 18-19 325.94 315.08 -3.33% 0.00% 5.88%
4.69% 17-18 294.69 325.94 10.60% 10.60%
5.21%
0.00% 12-13 148.58 155.31 4.53% 0.00% 3.88%
0.00% 11-12 149.90 148.58 -0.88% 2.82%
0.00%
0.00% 10-11 142.84 149.90 4.94% 13.27% 6.43%
0.00% 09-10 134.70 142.84 6.04% 0.00%
4.21%
0.92% 16-17 175.03 182.94 4.52% 0.00% 3.67%
1.05% 15-16 178.72 175.03 -2.06% 2.83%
3.62%
0.00% 14-15 171.42 178.72 4.26% 8.67% 4.44%
0.00% 13-14 155.31 171.42 10.37% 2.56%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
3.63%
1.48% 18-19 210.32 210.22 -0.05% 4.34% 3.70%
0.82% 17-18 182.94 210.32 14.97% 3.24%
TERM
12
12
12
12
12
12
12
12
12
12
12
12
YEARS BEG-PR END-PR I/Y C-APL
09-10 2,553.41 3,017.80 18.19% 5.45%
10-11 3,017.80 2,839.43 -5.91% 0.00%
11-12 2,839.43 2,389.91 -15.83% 0.00%
12-13 2,389.91 2,701.22 13.03% 5.45%
13-14 2,701.22 3,074.43 13.82% 5.45%
14-15 3,074.43 3,023.14 -1.67% 0.00%
15-16 3,023.14 3,164.76 4.68% 4.68%
16-17 3,164.76 3,315.02 4.75% 4.75%
17-18 3,315.02 3,509.88 5.88% 5.45%
18-19 3,509.88 2,993.18 -14.72% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 12811.57 20608.70 60.86% 4.90%
10-11 20608.70 23338.02 13.24% 4.90%
11-12 23338.02 21680.08 -7.10% 0.00%
12-13 21680.08 23020.27 6.18% 4.90%
13-14 23020.27 22836.96 -0.80% 0.00%
14-15 22836.96 24823.29 8.70% 4.90%
15-16 24823.29 19111.93 -23.01% 0.00%
16-17 19111.93 23740.73 24.22% 4.90%
17-18 23740.73 30844.72 29.92% 4.90%
18-19 30844.72 25626.03 -16.92% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1476.42 2147.35 45.44% 3.55%
10-11 2147.35 2700.08 25.74% 3.55%
11-12 2700.08 2813.84 4.21% 3.55%
12-13 2813.84 3142.13 11.67% 3.55%
13-14 3142.13 4103.88 30.61% 3.55%
14-15 4103.88 4635.24 12.95% 3.55%
15-16 4635.24 4613.95 -0.46% 0.00%
16-17 4613.95 5614.79 21.69% 3.55%
17-18 5614.79 7411.48 32.00% 3.55%
18-19 7411.48 6463.50 -12.79% 0.00%
REPORT ID #: to Jan-19
North American Performance Choice 12 PlusBONUS TRIGGER CAP SPREAD PAR
0.00% 3.69%1 Year Hang Seng Point-to-Point 5.00% 0.00% 4.90% 0.00% 100% 0.00% 3.42%
1 Year Dow Jones Point-to-Point 5.00% 0.00% 3.55% 0.00% 100%
P-FEE RETURN
1 Year DJ EuroStoxx 50 Point-to-Point 5.00% 0.00% 5.45% 0.00% 100% 0.00% 3.60%
0.00% 3.07%1 Year S&P 400 Point-to-Point 5.00% 0.00% 3.35% 0.00% 100% 0.00% 2.96%
1 Year Russell 2000 Point-to-Point 5.00% 0.00% 3.55% 0.00% 100%
0.00% 2.79%1 Year NASDAQ 100 Point-to-Point 5.00% 0.00% 3.55% 0.00% 100% 0.00% 3.33%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 5.00% 0.00% 1.40% 0.00% 100%
0.00% 5.54%Inverse Performance Trigger 5.00% 5.75% 0.00% 0.00% 100% 0.00% 1.62%
S&P MARC 5% ER 5.00% 0.00% 0.00% 1.25% 100%
0.00% 4.00%1 Year S&P 500 Point-to-Point 5.00% 0.00% 4.25% 0.00% 100% 0.00% 3.79%
1 Year S&P 500 Monthly Point-to-Point Index Cap 5.00% 0.00% 1.70% 0.00% 100%
C-APL CUMULATIVE
10.72% 09-10 8000.86 10067.33 25.83% 3.55% 8.73%
0.00% 3.37%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJ EuroStoxx 50 Point-to-Point 1 Year Dow Jones Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Low Volatility Daily RC 5% Index 5.00% 0.00% 0.00% 2.90% 100%
4.82%
4.25% 13-14 13860.58 15698.85 13.26% 3.55% 4.57%
3.95% 12-13 12632.91 13860.58 9.72% 3.55%
6.11%
3.45% 11-12 11891.93 12632.91 6.23% 3.55% 5.25%
5.22% 10-11 10067.33 11891.93 18.12% 3.55%
3.73%
4.00% 17-18 19864.09 26149.39 31.64% 3.55% 3.71%
3.82% 16-17 16466.30 19864.09 20.63% 3.55%
4.40%
3.69% 15-16 17164.95 16466.30 -4.07% 0.00% 3.76%
3.53% 14-15 15698.85 17164.95 9.34% 3.55%
5.00%
7.49% 10-11 2147.35 2700.08 25.74% 0.00% 2.47%
10.15% 09-10 1476.42 2147.35 45.44% 0.00%
3.69%
1 Year Hang Seng Point-to-Point 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.60% 18-19 26149.39 22686.22 -13.24% 3.55%
2.45%
4.08% 14-15 4103.88 4635.24 12.95% 0.00% 2.04%
3.92% 13-14 3142.13 4103.88 30.61% 7.50%
1.64%
4.92% 12-13 2813.84 3142.13 11.67% 0.00% 1.23%
4.93% 11-12 2700.08 2813.84 4.21% 0.00%
3.10%
3.42% 18-19 7411.48 6463.50 -12.79% 0.00% 2.79%
3.80% 17-18 5614.79 7411.48 32.00% 13.01%
1.75%
3.67% 16-17 4613.95 5614.79 21.69% 3.19% 1.93%
3.49% 15-16 4635.24 4613.95 -0.46% 0.00%
8.73%
6.11% 10-11 602.04 781.25 29.77% 3.55% 6.11%
8.73% 09-10 443.53 602.04 35.74% 3.55%
1 Year NASDAQ 100 Point-to-Point 1 Year Russell 2000 Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.14%
4.40% 14-15 1130.88 1165.39 3.05% 3.05% 3.96%
4.57% 13-14 902.09 1130.88 25.36% 3.55%
4.54%
4.82% 12-13 792.82 902.09 13.78% 3.55% 4.29%
5.25% 11-12 781.25 792.82 1.48% 1.48%
3.42%
3.33% 18-19 1574.98 1330.83 -15.50% 0.00% 3.07%
3.71% 17-18 1361.82 1574.98 15.65% 3.55%
3.39%
3.73% 16-17 1035.38 1361.82 31.53% 3.55% 3.41%
3.76% 15-16 1165.39 1035.38 -11.16% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
|----------------------CREDITING METHODS----------------------|
YEARS BEG-PR END-PR I/Y C-APL
09-10 498.68 702.80 40.93% 3.35%
10-11 702.80 924.77 31.58% 3.35%
11-12 924.77 936.51 1.27% 1.27%
12-13 936.51 1,093.96 16.81% 3.35%
13-14 1,093.96 1,313.08 20.03% 3.35%
14-15 1,313.08 1,435.10 9.29% 3.35%
15-16 1,435.10 1,317.74 -8.18% 0.00%
16-17 1,317.74 1,687.19 28.04% 3.35%
17-18 1,687.19 1,953.97 15.81% 3.35%
18-19 1,953.97 1,631.56 -16.50% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 4.25%
10-11 1,132.99 1,271.87 12.26% 4.25%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 4.25%
13-14 1,498.11 1,782.59 18.99% 4.25%
14-15 1,782.59 1,994.99 11.92% 4.25%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 4.25%
17-18 2,278.87 2,823.81 23.91% 4.25%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 0.00%
10-11 1,132.99 1,271.87 12.26% 0.00%
11-12 1,271.87 1,312.41 3.19% 0.00%
12-13 1,312.41 1,498.11 14.15% 0.00%
13-14 1,498.11 1,782.59 18.99% 0.00%
14-15 1,782.59 1,994.99 11.92% 0.00%
15-16 1,994.99 1,940.24 -2.74% 5.75%
16-17 1,940.24 2,278.87 17.45% 0.00%
17-18 2,278.87 2,823.81 23.91% 0.00%
18-19 2,823.81 2,745.47 -2.77% 5.75%
REPORT ID #: to Jan-19
CUMULATIVE
8.52% 09-10 931.80 1132.99 21.59% 0.00% 5.00%
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL
Performance Choice 12 Plus Continued…
1 Year S&P 400 Point-to-Point 1 Year S&P 500 Monthly Point-to-Point Index Cap
2.09%
3.94% 13-14 1498.11 1782.59 18.99% 6.52% 2.96%
4.09% 12-13 1312.41 1498.11 14.15% 3.46%
2.47%
4.33% 11-12 1271.87 1312.41 3.19% 0.00% 1.64%
5.90% 10-11 1132.99 1271.87 12.26% 0.00%
3.42%
3.30% 17-18 2278.87 2823.81 23.91% 13.14% 4.46%
3.29% 16-17 1940.24 2278.87 17.45% 7.79%
3.29%
3.28% 15-16 1994.99 1940.24 -2.74% 0.00% 2.81%
3.84% 14-15 1782.59 1994.99 11.92% 4.93%
11.66%
6.82% 10-11 211.50 238.98 12.99% 11.74% 11.70%
9.46% 09-10 196.57 211.50 7.60% 6.35%
4.00%
1 Year S&P 500 Point-to-Point S&P MARC 5% ER
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
2.96% 18-19 2823.81 2745.47 -2.77% 0.00%
7.56%
4.92% 14-15 272.59 290.70 6.64% 5.39% 7.20%
5.06% 13-14 282.25 272.59 -3.42% 0.00%
11.14%
5.26% 12-13 265.89 282.25 6.15% 4.90% 9.54%
5.60% 11-12 238.98 265.89 11.26% 10.01%
6.17%
3.79% 18-19 325.94 315.08 -3.33% 0.00% 5.54%
4.21% 17-18 294.69 325.94 10.60% 9.35%
6.14%
4.21% 16-17 281.87 294.69 4.55% 3.30% 5.78%
4.20% 15-16 290.70 281.87 -3.04% 0.00%
5.00%
2.47% 10-11 142.84 149.90 4.94% 12.07% 8.48%
5.00% 09-10 134.70 142.84 6.04% 0.00%
Inverse Performance Trigger 1 Year S&P 500 Low Volatility Daily RC 5% Index
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.92%
0.82% 14-15 171.42 178.72 4.26% 7.47% 4.50%
0.98% 13-14 155.31 171.42 10.37% 1.36%
6.14%
1.23% 12-13 148.58 155.31 4.53% 0.00% 4.57%
1.64% 11-12 149.90 148.58 -0.88% 1.62%
3.40%
1.62% 18-19 210.32 210.22 -0.05% 3.14% 3.37%
1.17% 17-18 182.94 210.32 14.97% 2.04%
4.09%
1.32% 16-17 175.03 182.94 4.52% 0.00% 3.57%
1.51% 15-16 178.72 175.03 -2.06% 1.63%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
TERM
10
10
10
10
10
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 6.00%
10-11 1,132.99 1,271.87 12.26% 6.00%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 6.00%
13-14 1,498.11 1,782.59 18.99% 6.00%
14-15 1,782.59 1,994.99 11.92% 6.00%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 6.00%
17-18 2,278.87 2,823.81 23.91% 6.00%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 134.70 142.84 6.04% 0.00%
10-11 142.84 149.90 4.94% 13.37%
11-12 149.90 148.58 -0.88% 2.92%
12-13 148.58 155.31 4.53% 0.00%
13-14 155.31 171.42 10.37% 2.66%
14-15 171.42 178.72 4.26% 8.77%
15-16 178.72 175.03 -2.06% 2.93%
16-17 175.03 182.94 4.52% 0.00%
17-18 182.94 210.32 14.97% 3.34%
18-19 210.32 210.22 -0.05% 4.44%
YEARS BEG-PR END-PR I/Y C-APL
09-10 196.57 211.50 7.60% 7.60%
10-11 211.50 238.98 12.99% 12.99%
11-12 238.98 265.89 11.26% 11.26%
12-13 265.89 282.25 6.15% 6.15%
13-14 282.25 272.59 -3.42% 0.00%
14-15 272.59 290.70 6.64% 6.64%
15-16 290.70 281.87 -3.04% 0.00%
16-17 281.87 294.69 4.55% 4.55%
17-18 294.69 325.94 10.60% 10.60%
18-19 325.94 315.08 -3.33% 0.00%
REPORT ID #: to Jan-19
P-FEE RETURN
1-Year S&P 500 Annual Point-to-Point 0.00% 0.00% 6.00% 0.00% 100% 0.00% 4.49%
North American NAC VersaChoice 10BONUS TRIGGER CAP SPREAD PAR
0.00% 5.05%S&P MARC 5% ER Annual Point to Point 0.00% 0.00% 0.00% 0.00% 100% 0.00% 5.88%1-Year S&P 500 Monthly Point-to-Point 0.00% 0.00% 2.35% 0.00% 100%
0.00% 5.49%1-Year S&P 500 Low VC Daily Risk Ctrl 5% 0.00% 0.00% 0.00% 1.60% 100% 0.00% 3.77%
1-Year S&P 500 Annual Point-to-Point Participation Rate 0.00% 0.00% 0.00% 0.00% 45%
9.72%
6.00% 10-11 1132.99 1271.87 12.26% 5.52% 7.60%
6.00% 09-10 931.80 1132.99 21.59% 9.72%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point Participation Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
6.28%
5.53% 14-15 1782.59 1994.99 11.92% 5.36% 6.12%
5.43% 13-14 1498.11 1782.59 18.99% 8.55%
5.50%
5.29% 12-13 1312.41 1498.11 14.15% 6.37% 5.72%
5.05% 11-12 1271.87 1312.41 3.19% 1.43%
6.12%
4.49% 18-19 2823.81 2745.47 -2.77% 0.00% 5.49%
5.00% 17-18 2278.87 2823.81 23.91% 10.76%
5.23%
4.88% 16-17 1940.24 2278.87 17.45% 7.85% 5.55%
4.72% 15-16 1994.99 1940.24 -2.74% 0.00%
0.00%
6.47% 10-11 1132.99 1271.87 12.26% 0.00% 0.00%
0.00% 09-10 931.80 1132.99 21.59% 0.00%
1-Year S&P 500 Low VC Daily Risk Ctrl 5% 1-Year S&P 500 Monthly Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.48%
4.51% 14-15 1782.59 1994.99 11.92% 8.11% 4.24%
3.68% 13-14 1498.11 1782.59 18.99% 10.90%
0.00%
3.93% 12-13 1312.41 1498.11 14.15% 6.98% 1.70%
5.28% 11-12 1271.87 1312.41 3.19% 0.00%
5.63%
3.77% 18-19 2823.81 2745.47 -2.77% 0.00% 5.05%
3.69% 17-18 2278.87 2823.81 23.91% 16.07%
3.62%
3.74% 16-17 1940.24 2278.87 17.45% 9.95% 4.39%
4.28% 15-16 1994.99 1940.24 -2.74% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
7.50%
7.36%
6.28%
6.06%
6.55%
5.88%
S&P MARC 5% ER Annual Point to Point
CUMULATIVE
7.60%
10.26%
10.59%
9.47%
|----------------------CREDITING METHODS----------------------|
TERM
10
10
10
10
10
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 6.00%
10-11 1,132.99 1,271.87 12.26% 6.00%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 6.00%
13-14 1,498.11 1,782.59 18.99% 6.00%
14-15 1,782.59 1,994.99 11.92% 6.00%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 6.00%
17-18 2,278.87 2,823.81 23.91% 6.00%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 134.70 142.84 6.04% 0.00%
10-11 142.84 149.90 4.94% 13.37%
11-12 149.90 148.58 -0.88% 2.92%
12-13 148.58 155.31 4.53% 0.00%
13-14 155.31 171.42 10.37% 2.66%
14-15 171.42 178.72 4.26% 8.77%
15-16 178.72 175.03 -2.06% 2.93%
16-17 175.03 182.94 4.52% 0.00%
17-18 182.94 210.32 14.97% 3.34%
18-19 210.32 210.22 -0.05% 4.44%
YEARS BEG-PR END-PR I/Y C-APL
09-10 196.57 211.50 7.60% 7.60%
10-11 211.50 238.98 12.99% 12.99%
11-12 238.98 265.89 11.26% 11.26%
12-13 265.89 282.25 6.15% 6.15%
13-14 282.25 272.59 -3.42% 0.00%
14-15 272.59 290.70 6.64% 6.64%
15-16 290.70 281.87 -3.04% 0.00%
16-17 281.87 294.69 4.55% 4.55%
17-18 294.69 325.94 10.60% 10.60%
18-19 325.94 315.08 -3.33% 0.00%
REPORT ID #: to Jan-19
North American NAC VersaChoice 10 (ELB)BONUS TRIGGER CAP SPREAD PAR
0.00% 5.49%1-Year S&P 500 Low VC Daily Risk Ctrl 5% 0.00% 0.00% 0.00% 1.60% 100% 0.00% 3.77%
1-Year S&P 500 Annual Point-to-Point Participation Rate 0.00% 0.00% 0.00% 0.00% 45%
P-FEE RETURN
1-Year S&P 500 Annual Point-to-Point 0.00% 0.00% 6.00% 0.00% 100% 0.00% 4.49%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point Participation Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
0.00% 5.05%S&P MARC 5% ER Annual Point to Point 0.00% 0.00% 0.00% 0.00% 100% 0.00% 5.88%1-Year S&P 500 Monthly Point-to-Point 0.00% 0.00% 2.35% 0.00% 100%
5.50%
5.29% 12-13 1312.41 1498.11 14.15% 6.37% 5.72%
5.05% 11-12 1271.87 1312.41 3.19% 1.43%
9.72%
6.00% 10-11 1132.99 1271.87 12.26% 5.52% 7.60%
6.00% 09-10 931.80 1132.99 21.59% 9.72%
5.23%
4.88% 16-17 1940.24 2278.87 17.45% 7.85% 5.55%
4.72% 15-16 1994.99 1940.24 -2.74% 0.00%
6.28%
5.53% 14-15 1782.59 1994.99 11.92% 5.36% 6.12%
5.43% 13-14 1498.11 1782.59 18.99% 8.55%
1-Year S&P 500 Low VC Daily Risk Ctrl 5% 1-Year S&P 500 Monthly Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
6.12%
4.49% 18-19 2823.81 2745.47 -2.77% 0.00% 5.49%
5.00% 17-18 2278.87 2823.81 23.91% 10.76%
0.00%
3.93% 12-13 1312.41 1498.11 14.15% 6.98% 1.70%
5.28% 11-12 1271.87 1312.41 3.19% 0.00%
0.00%
6.47% 10-11 1132.99 1271.87 12.26% 0.00% 0.00%
0.00% 09-10 931.80 1132.99 21.59% 0.00%
3.62%
3.74% 16-17 1940.24 2278.87 17.45% 9.95% 4.39%
4.28% 15-16 1994.99 1940.24 -2.74% 0.00%
3.48%
4.51% 14-15 1782.59 1994.99 11.92% 8.11% 4.24%
3.68% 13-14 1498.11 1782.59 18.99% 10.90%
7.36%
6.28%
6.06%
6.55%
5.88%
S&P MARC 5% ER Annual Point to Point
CUMULATIVE
7.60%
10.26%
10.59%
9.47%
5.63%
3.77% 18-19 2823.81 2745.47 -2.77% 0.00% 5.05%
3.69% 17-18 2278.87 2823.81 23.91% 16.07%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
7.50%
|----------------------CREDITING METHODS----------------------|
TERM
10
10
10
10
10
10
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 4.20%
10-11 1,132.99 1,271.87 12.26% 4.20%
11-12 1,271.87 1,312.41 3.19% 2.14%
12-13 1,312.41 1,498.11 14.15% 4.20%
13-14 1,498.11 1,782.59 18.99% 4.20%
14-15 1,782.59 1,994.99 11.92% 4.20%
15-16 1,994.99 1,940.24 -2.74% -1.05%
16-17 1,940.24 2,278.87 17.45% 4.20%
17-18 2,278.87 2,823.81 23.91% 4.20%
18-19 2,823.81 2,745.47 -2.77% -1.05%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 0.00%
10-11 1,132.99 1,271.87 12.26% 0.00%
11-12 1,271.87 1,312.41 3.19% 0.00%
12-13 1,312.41 1,498.11 14.15% 0.00%
13-14 1,498.11 1,782.59 18.99% 0.00%
14-15 1,782.59 1,994.99 11.92% 0.00%
15-16 1,994.99 1,940.24 -2.74% 2.00%
16-17 1,940.24 2,278.87 17.45% 0.00%
17-18 2,278.87 2,823.81 23.91% 0.00%
18-19 2,823.81 2,745.47 -2.77% 2.00%
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 196.57 211.50 7.60% 6.55%
10-11 211.50 238.98 12.99% 11.94%
11-12 238.98 265.89 11.26% 10.21%
12-13 265.89 282.25 6.15% 5.10%
13-14 282.25 272.59 -3.42% -1.05%
14-15 272.59 290.70 6.64% 5.59%
15-16 290.70 281.87 -3.04% -1.05%
16-17 281.87 294.69 4.55% 3.50%
17-18 294.69 325.94 10.60% 9.55%
18-19 325.94 315.08 -3.33% -1.05%
REPORT ID #: to Jan-19
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
5.01% 16-17 294.69 1.37% 0.73% 5.59%
5.50% 17-18 294.69 0.00% -1.05% 4.83%
4.83% 18-19 315.08 6.92% 7.94% 5.14%
6.45% 13-14 282.25 0.00% -1.05% 8.55%
6.31% 14-15 290.70 2.99% 2.84% 7.58%
5.23% 15-16 290.70 0.00% -1.05% 6.30%
9.21% 10-11 238.98 21.58% 27.00% 12.10%
9.54% 11-12 238.98 0.00% -1.05% 7.53%
8.42% 12-13 282.25 18.11% 22.49% 11.09%
0.40% 18-19 2823.81 2745.47 -2.77% -1.05% 3.26%
S&P MARC 5% ER Annual Point-to-Point S&P MARC 5% ER 2 Yr Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
6.55% 09-10 196.57 0.00% -1.05% -1.05%
0.28% 15-16 1994.99 1940.24 -2.74% -1.05% 1.83%
0.25% 16-17 1940.24 2278.87 17.45% 7.85% 2.57%
0.22% 17-18 2278.87 2823.81 23.91% 13.75% 3.75%
0.00% 12-13 1312.41 1498.11 14.15% 4.18% 0.23%
0.00% 13-14 1498.11 1782.59 18.99% 7.68% 1.68%
0.00% 14-15 1782.59 1994.99 11.92% 5.59% 2.32%
0.00% 09-10 931.80 1132.99 21.59% -1.05% -1.05%
0.00% 10-11 1132.99 1271.87 12.26% -1.05% -1.05%
0.00% 11-12 1271.87 1312.41 3.19% -1.05% -1.05%
3.37% 17-18 2278.87 2823.81 23.91% 9.71% 5.07%
2.92% 18-19 2823.81 2745.47 -2.77% -1.05% 4.44%
Inverse Performance Trigger S&P 500 Monthly Point-to-Point Cap
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.85% 14-15 1782.59 1994.99 11.92% 4.31% 5.07%
3.14% 15-16 1994.99 1940.24 -2.74% -1.05% 4.18%
3.27% 16-17 1940.24 2278.87 17.45% 6.80% 4.50%
3.51% 11-12 1271.87 1312.41 3.19% 0.38% 4.45%
3.68% 12-13 1312.41 1498.11 14.15% 5.32% 4.67%
3.78% 13-14 1498.11 1782.59 18.99% 7.50% 5.23%
S&P 500 Annual Point-to-Point Cap S&P 500 Annual Point-to-Point Participation Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.20% 09-10 931.80 1132.99 21.59% 8.67% 8.67%
4.20% 10-11 1132.99 1271.87 12.26% 4.47% 6.55%
S&P MARC 5% ER Annual Point-to-Point 0.00% 0.00% 0.00% 0.00% 100% 1.05% 4.83%S&P MARC 5% ER 2 Yr Point-to-Point 0.00% 0.00% 0.00% 0.00% 130% 1.05% 5.14%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
S&P 500 Annual Point-to-Point Participation Rate 0.00% 0.00% 0.00% 0.00% 45% 1.05% 4.44%Inverse Performance Trigger 0.00% 2.00% 0.00% 0.00% 100% 1.05% 0.40%
S&P 500 Monthly Point-to-Point Cap 0.00% 0.00% 2.00% 0.00% 100% 1.05% 3.26%
North American Strategic Design Annuity X|----------------------CREDITING METHODS----------------------|
BONUS TRIGGER CAP SPREAD PAR P-FEE RETURN
S&P 500 Annual Point-to-Point Cap 0.00% 0.00% 5.25% 0.00% 100% 1.05% 2.92%
TERM
10
10
10
10
10
10
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 22,686.22 24,707.41 8.91% 9.93%
10-11 26,149.39 22,461.40 -14.10% 5.06%
11-12 19,864.09 18,310.53 -7.82% 1.66%
12-13 16,466.30 17,429.74 5.85% 2.81%
13-14 17,164.95 16,984.62 -1.05% 7.45%
14-15 15,698.85 15,237.10 -2.94% 6.14%
15-16 13,860.58 13,106.22 -5.44% 1.16%
16-17 12,632.91 12,155.17 -3.78% 8.40%
17-18 11,891.93 10,746.98 -9.63% 9.81%
18-19 10,067.33 9,060.04 -10.01% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 6.20%
10-11 1,132.99 1,271.87 12.26% 6.20%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 6.20%
13-14 1,498.11 1,782.59 18.99% 6.20%
14-15 1,782.59 1,994.99 11.92% 6.20%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 6.20%
17-18 2,278.87 2,823.81 23.91% 6.20%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR AVE-PR I/Y C-APL
09-10 931.80 974.11 4.54% 3.63%
10-11 1,132.99 1,147.18 1.25% 1.00%
11-12 1,271.87 1,282.95 0.87% 0.70%
12-13 1,312.41 1,401.98 6.82% 5.46%
13-14 1,498.11 1,676.00 11.87% 9.50%
14-15 1,782.59 1,962.11 10.07% 8.06%
15-16 1,994.99 2,047.37 2.63% 2.10%
16-17 1,940.24 2,134.05 9.99% 7.99%
17-18 2,278.87 2,505.38 9.94% 7.95%
18-19 2,823.81 2,707.07 -4.13% 0.00%
REPORT ID #: to Jan-19
0.00% 3.17%1 Year S&P 500 Annual Point-to-Point Index Cap Rate 0.00% 0.00% 6.20% 0.00% 100% 0.00% 4.63%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 1.80% 0.00% 100%
P-FEE RETURN
1 Year DJI Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 75% 0.00% 5.18%
North American NAC BenefitSolutions 10BONUS TRIGGER CAP SPREAD PAR
0.00% 5.14%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJI Monthly Averaging with Participation Rate 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 2.40% 0.00% 100%
0.00% 3.84%1 Year S&P 500 Monthly Averaging with Participation Rate 0.00% 0.00% 0.00% 0.00% 80% 0.00% 4.58%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 0.00% 0.00% 0.00% 1.50% 100%
0.13%
5.50% 11-12 2700.08 2813.84 4.21% 0.00% 0.09%
7.47% 10-11 2147.35 2700.08 25.74% 0.00%
C-APL CUMULATIVE
9.93% 09-10 1476.42 2147.35 45.44% 0.26% 0.26%
1.79%
4.85% 15-16 4635.24 4613.95 -0.46% 0.00% 1.53%
5.47% 14-15 4103.88 4635.24 12.95% 0.20%
0.06%
5.34% 13-14 3142.13 4103.88 30.61% 10.70% 2.11%
4.82% 12-13 2813.84 3142.13 11.67% 0.00%
3.17%
1 Year S&P 500 Annual Point-to-Point Index Cap Rate 1 Year S&P 500 Low Volatility Daily RC 5% Index Margin
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
5.18% 18-19 7411.48 6463.50 -12.79% 0.00%
2.08%
5.78% 17-18 5614.79 7411.48 32.00% 15.89% 3.53%
5.28% 16-17 4613.95 5614.79 21.69% 5.99%
5.34%
5.44% 12-13 148.58 155.31 4.53% 0.00% 3.98%
5.19% 11-12 149.90 148.58 -0.88% 3.02%
0.00%
6.20% 10-11 142.84 149.90 4.94% 13.47% 6.52%
6.20% 09-10 134.70 142.84 6.04% 0.00%
4.35%
5.03% 16-17 175.03 182.94 4.52% 0.00% 3.80%
4.86% 15-16 178.72 175.03 -2.06% 3.03%
3.73%
5.69% 14-15 171.42 178.72 4.26% 8.87% 4.57%
5.59% 13-14 155.31 171.42 10.37% 2.76%
1 Year S&P 500 Monthly Averaging with Participation Rate 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.76%
4.63% 18-19 210.32 210.22 -0.05% 4.54% 3.84%
5.16% 17-18 182.94 210.32 14.97% 3.44%
0.00%
2.68% 12-13 1312.41 1498.11 14.15% 7.23% 1.76%
1.77% 11-12 1271.87 1312.41 3.19% 0.00%
0.00%
2.31% 10-11 1132.99 1271.87 12.26% 0.00% 0.00%
3.63% 09-10 931.80 1132.99 21.59% 0.00%
3.71%
4.76% 16-17 1940.24 2278.87 17.45% 10.10% 4.49%
4.30% 15-16 1994.99 1940.24 -2.74% 0.00%
3.58%
4.67% 14-15 1782.59 1994.99 11.92% 8.26% 4.34%
4.01% 13-14 1498.11 1782.59 18.99% 11.16%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
5.73%
4.58% 18-19 2823.81 2745.47 -2.77% 0.00% 5.14%
5.11% 17-18 2278.87 2823.81 23.91% 16.22%
|----------------------CREDITING METHODS----------------------|
TERM
10
10
10
10
10
10
10
YEARS BEG-PR END-PR I/Y C-APL
09-10 1,476.42 2,147.35 45.44% 0.00%
10-11 2,147.35 2,700.08 25.74% 0.00%
11-12 2,700.08 2,813.84 4.21% 0.00%
12-13 2,813.84 3,142.13 11.67% 0.00%
13-14 3,142.13 4,103.88 30.61% 5.90%
14-15 4,103.88 4,635.24 12.95% 0.00%
15-16 4,635.24 4,613.95 -0.46% 0.00%
16-17 4,613.95 5,614.79 21.69% 1.79%
17-18 5,614.79 7,411.48 32.00% 11.34%
18-19 7,411.48 6,463.50 -12.79% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 6.48%
10-11 1132.99 1271.87 12.26% 3.68%
11-12 1271.87 1312.41 3.19% 0.96%
12-13 1312.41 1498.11 14.15% 4.24%
13-14 1498.11 1782.59 18.99% 5.70%
14-15 1782.59 1994.99 11.92% 3.57%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 5.24%
17-18 2278.87 2823.81 23.91% 7.17%
18-19 2823.81 2745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 134.70 142.84 6.04% 0.00%
10-11 142.84 149.90 4.94% 11.32%
11-12 149.90 148.58 -0.88% 0.87%
12-13 148.58 155.31 4.53% 0.00%
13-14 155.31 171.42 10.37% 0.61%
14-15 171.42 178.72 4.26% 6.72%
15-16 178.72 175.03 -2.06% 0.88%
16-17 175.03 182.94 4.52% 0.00%
17-18 182.94 210.32 14.97% 1.29%
18-19 210.32 210.22 -0.05% 2.39%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1373.90 0.00 0.00% 0.00%
10-11 0.00 1760.13 28.11% 23.21%
11-12 1760.13 0.00 0.00% 0.00%
12-13 0.00 2012.68 14.35% 9.45%
13-14 2012.68 0.00 0.00% 0.00%
14-15 0.00 2522.20 25.32% 20.42%
15-16 2522.20 0.00 0.00% 0.00%
16-17 0.00 2679.98 6.26% 1.36%
17-18 2679.98 0.00 0.00% 0.00%
18-19 3254.63 3242.41 20.99% 16.09%
REPORT ID #: to Jan-19
North American NAC Charter Plus 10BONUS TRIGGER CAP SPREAD PAR
|----------------------CREDITING METHODS----------------------|
0.00% 3.56%1 Year S&P 500 Annual Point-to-Point Participation Rate 7.00% 0.00% 0.00% 0.00% 30% 0.00% 4.38%
1 Year S&P 500 Annual Point-to-Point Index Cape Rate 7.00% 0.00% 3.65% 0.00% 100%
P-FEE RETURN
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 7.00% 0.00% 1.20% 0.00% 100% 0.00% 2.53%
0.00% 3.59%2-Year S&P 500 Low Volatility Daily RC 8% Index Margin 7.00% 0.00% 0.00% 4.90% 100% 0.00% 7.41%1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 7.00% 0.00% 1.50% 0.00% 100%
0.00% 3.05%1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 7.00% 0.00% 0.00% 3.65% 100% 0.00% 3.04%
1 Year S&P 500 Daily Index Margin (No Cap) 7.00% 0.00% 0.00% 3.05% 100%
10.91%
3.44% 10-11 1132.99 1271.87 12.26% 3.65% 7.22%
7.00% 09-10 931.80 1132.99 21.59% 3.65%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 1 Year S&P 500 Annual Point-to-Point Index Cape Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.97%
2.11% 14-15 1782.59 1994.99 11.92% 3.65% 4.75%
2.53% 13-14 1498.11 1782.59 18.99% 3.65%
5.86%
1.71% 12-13 1312.41 1498.11 14.15% 3.65% 5.30%
2.28% 11-12 1271.87 1312.41 3.19% 3.19%
3.97%
2.53% 18-19 2823.81 2745.47 -2.77% 0.00% 3.56%
2.82% 17-18 2278.87 2823.81 23.91% 3.65%
4.06%
1.80% 16-17 1940.24 2278.87 17.45% 3.65% 4.00%
1.80% 15-16 1994.99 1940.24 -2.74% 0.00%
7.00%
8.68% 10-11 1132.99 1139.50 4.53% 0.00% 3.44%
13.93% 09-10 931.80 948.05 -0.88% 0.00%
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Daily Index Margin (No Cap)
CUMULATIVE YEARS BEG-PR AVE-PR I/Y C-APL CUMULATIVE
4.17%
5.27% 14-15 1782.59 1932.27 4.52% 2.46% 3.89%
5.61% 13-14 1498.11 1646.01 -2.06% 9.19%
2.28%
5.59% 12-13 1312.41 1380.00 4.26% 5.01% 2.96%
6.04% 11-12 1271.87 1267.60 10.37% 0.00%
3.39%
4.38% 18-19 2823.81 2745.47 0.00% 0.00% 3.05%
4.88% 17-18 2278.87 2449.22 0.00% 6.35%
3.32%
4.59% 16-17 1940.24 2094.08 -0.05% 1.00% 3.03%
4.50% 15-16 1994.99 2061.08 14.97% 0.00%
7.00%
9.14% 10-11 1132.99 1271.87 12.26% 0.00% 3.44%
7.00% 09-10 931.80 1132.99 21.59% 0.00%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
2.80%
4.34% 14-15 1782.59 1994.99 11.92% 3.73% 2.95%
3.86% 13-14 1498.11 1782.59 18.99% 4.92%
2.28%
4.69% 12-13 1312.41 1498.11 14.15% 2.26% 2.28%
6.31% 11-12 1271.87 1312.41 3.19% 0.00%
4.00%
3.04% 18-19 2823.81 2745.47 -2.77% 0.00% 3.59%
3.12% 17-18 2278.87 2823.81 23.91% 11.94%
2.53%
3.35% 16-17 1940.24 2278.87 17.45% 6.76% 3.05%
3.83% 15-16 1994.99 1940.24 -2.74% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
7.61%
9.64%
8.21%
7.33%
6.49%
7.41%
2-Year S&P 500 Low Volatility Daily RC 8% Index Margin
CUMULATIVE
7.00%
14.82%
9.65%
9.60%
TERM
10
10
10
10
10
10
10
YEARS BEG-PR END-PR I/Y C-APL
09-10 1,476.42 2,147.35 45.44% 1.46%
10-11 2,147.35 2,700.08 25.74% 0.00%
11-12 2,700.08 2,813.84 4.21% 0.00%
12-13 2,813.84 3,142.13 11.67% 0.00%
13-14 3,142.13 4,103.88 30.61% 11.83%
14-15 4,103.88 4,635.24 12.95% 1.10%
15-16 4,635.24 4,613.95 -0.46% 0.00%
16-17 4,613.95 5,614.79 21.69% 6.99%
17-18 5,614.79 7,411.48 32.00% 16.94%
18-19 7,411.48 6,463.50 -12.79% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 5.40%
10-11 1132.99 1271.87 12.26% 3.06%
11-12 1271.87 1312.41 3.19% 0.80%
12-13 1312.41 1498.11 14.15% 3.54%
13-14 1498.11 1782.59 18.99% 4.75%
14-15 1782.59 1994.99 11.92% 2.98%
15-16 1994.99 1940.24 -2.74% 0.00%
16-17 1940.24 2278.87 17.45% 4.36%
17-18 2278.87 2823.81 23.91% 5.98%
18-19 2823.81 2745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 134.70 142.84 6.04% 0.00%
10-11 142.84 149.90 4.94% 11.12%
11-12 149.90 148.58 -0.88% 0.67%
12-13 148.58 155.31 4.53% 0.00%
13-14 155.31 171.42 10.37% 0.41%
14-15 171.42 178.72 4.26% 6.52%
15-16 178.72 175.03 -2.06% 0.68%
16-17 175.03 182.94 4.52% 0.00%
17-18 182.94 210.32 14.97% 1.09%
18-19 210.32 210.22 -0.05% 2.19%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1373.90 0.00 0.00% 0.00%
10-11 0.00 1760.13 28.11% 22.96%
11-12 1760.13 0.00 0.00% 0.00%
12-13 0.00 2012.68 14.35% 9.20%
13-14 2012.68 0.00 0.00% 0.00%
14-15 0.00 2522.20 25.32% 20.17%
15-16 2522.20 0.00 0.00% 0.00%
16-17 0.00 2679.98 6.26% 1.11%
17-18 2679.98 0.00 0.00% 0.00%
18-19 3254.63 3242.41 20.99% 15.84%
REPORT ID #: to Jan-19
North American NAC Charter Plus 10 SVBONUS TRIGGER CAP SPREAD PAR
|----------------------CREDITING METHODS----------------------|
0.00% 3.46%1 Year S&P 500 Annual Point-to-Point Participation Rate 7.00% 0.00% 0.00% 0.00% 25% 0.00% 3.77%
1 Year S&P 500 Annual Point-to-Point Index Cap Rate 7.00% 0.00% 3.50% 0.00% 100%
P-FEE RETURN
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 7.00% 0.00% 1.95% 0.00% 100% 0.00% 4.38%
0.00% 3.28%2-Year S&P 500 Low Volatility Daily RC 8% Index Margin 7.00% 0.00% 0.00% 5.15% 100% 0.00% 7.29%1 Year S&P 500 Monthly Point-to-Point Index Cap Rate 7.00% 0.00% 1.40% 0.00% 100%
0.00% 2.92%1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 7.00% 0.00% 0.00% 3.85% 100% 0.00% 2.90%
1 Year S&P 500 Daily Index Margin (No Cap) 7.00% 0.00% 0.00% 3.30% 100%
10.75%
4.19% 10-11 1132.99 1271.87 12.26% 3.50% 7.06%
8.56% 09-10 931.80 1132.99 21.59% 3.50%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 1 Year S&P 500 Annual Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.85%
3.47% 14-15 1782.59 1994.99 11.92% 3.50% 4.62%
3.95% 13-14 1498.11 1782.59 18.99% 3.50%
5.75%
2.07% 12-13 1312.41 1498.11 14.15% 3.50% 5.19%
2.78% 11-12 1271.87 1312.41 3.19% 3.19%
3.85%
4.38% 18-19 2823.81 2745.47 -2.77% 0.00% 3.46%
4.88% 17-18 2278.87 2823.81 23.91% 3.50%
3.95%
3.46% 16-17 1940.24 2278.87 17.45% 3.50% 3.89%
2.97% 15-16 1994.99 1940.24 -2.74% 0.00%
7.00%
7.81% 10-11 1132.99 1139.50 -2.06% 0.00% 3.44%
12.78% 09-10 931.80 948.05 4.26% 0.00%
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Daily Index Margin (No Cap)
CUMULATIVE YEARS BEG-PR AVE-PR I/Y C-APL CUMULATIVE
4.08%
4.58% 14-15 1782.59 1932.27 0.00% 2.21% 3.76%
4.91% 13-14 1498.11 1646.01 -0.05% 8.94%
2.28%
4.95% 12-13 1312.41 1380.00 14.97% 4.76% 2.90%
5.42% 11-12 1271.87 1267.60 4.52% 0.00%
3.26%
3.77% 18-19 2823.81 2745.47 I/Y 0.00% 2.92%
4.19% 17-18 2278.87 2449.22 0.00% 6.10%
3.22%
3.97% 16-17 1940.24 2094.08 0.00% 0.75% 2.91%
3.92% 15-16 1994.99 2061.08 0.00% 0.00%
7.00%
9.04% 10-11 1132.99 1271.87 12.26% 0.00% 3.44%
7.00% 09-10 931.80 1132.99 21.59% 0.00%
1 Year S&P 500 Low Volatility Daily RC 5% Index Margin 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
2.52%
4.20% 14-15 1782.59 1994.99 11.92% 3.13% 2.62%
3.74% 13-14 1498.11 1782.59 18.99% 4.12%
2.28%
4.60% 12-13 1312.41 1498.11 14.15% 1.66% 2.12%
6.17% 11-12 1271.87 1312.41 3.19% 0.00%
3.65%
2.90% 18-19 2823.81 2745.47 -2.77% 0.00% 3.28%
2.98% 17-18 2278.87 2823.81 23.91% 11.34%
2.24%
3.22% 16-17 1940.24 2278.87 17.45% 6.16% 2.72%
3.69% 15-16 1994.99 1940.24 -2.74% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
7.52%
9.53%
8.11%
7.21%
6.39%
7.29%
2-Year S&P 500 Low Volatility Daily RC 8% Index Margin
CUMULATIVE
7.00%
14.70%
9.58%
9.48%
TERM
8
8
8
8
8
8
8
8
8
8
8
8
YEARS BEG-PR END-PR I/Y C-APL
09-10 2,553.41 3,017.80 18.19% 8.10%
10-11 3,017.80 2,839.43 -5.91% 0.00%
11-12 2,839.43 2,389.91 -15.83% 0.00%
12-13 2,389.91 2,701.22 13.03% 8.10%
13-14 2,701.22 3,074.43 13.82% 8.10%
14-15 3,074.43 3,023.14 -1.67% 0.00%
15-16 3,023.14 3,164.76 4.68% 4.68%
16-17 3,164.76 3,315.02 4.75% 4.75%
17-18 3,315.02 3,509.88 5.88% 5.88%
18-19 3,509.88 2,993.18 -14.72% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 12,811.57 20,608.70 60.86% 6.75%
10-11 20,608.70 23,338.02 13.24% 6.75%
11-12 23,338.02 21,680.08 -7.10% 0.00%
12-13 21,680.08 23,020.27 6.18% 6.18%
13-14 23,020.27 22,836.96 -0.80% 0.00%
14-15 22,836.96 24,823.29 8.70% 6.75%
15-16 24,823.29 19,111.93 -23.01% 0.00%
16-17 19,111.93 23,740.73 24.22% 6.75%
17-18 23,740.73 30,844.72 29.92% 6.75%
18-19 30,844.72 25,626.03 -16.92% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1,476.42 2,147.35 45.44% 4.80%
10-11 2,147.35 2,700.08 25.74% 4.80%
11-12 2,700.08 2,813.84 4.21% 4.21%
12-13 2,813.84 3,142.13 11.67% 4.80%
13-14 3,142.13 4,103.88 30.61% 4.80%
14-15 4,103.88 4,635.24 12.95% 4.80%
15-16 4,635.24 4,613.95 -0.46% 0.00%
16-17 4,613.95 5,614.79 21.69% 4.80%
17-18 5,614.79 7,411.48 32.00% 4.80%
18-19 7,411.48 6,463.50 -12.79% 0.00%
REPORT ID #: to Jan-19
North American Performance Choice 8BONUS TRIGGER CAP SPREAD PAR
|----------------------CREDITING METHODS----------------------|
0.00% 4.27%1 Year Hang Seng Point-to-Point 0.00% 0.00% 6.75% 0.00% 100% 0.00% 3.94%
1 Year Dow Jones Point-to-Point 0.00% 0.00% 4.75% 0.00% 100%
P-FEE RETURN
1 Year DJ EuroStoxx 50 Point-to-Point 0.00% 0.00% 8.10% 0.00% 100% 0.00% 3.90%
0.00% 3.31%1 Year S&P 400 Point-to-Point 0.00% 0.00% 4.55% 0.00% 100% 0.00% 3.29%
1 Year Russell 2000 Point-to-Point 0.00% 0.00% 4.80% 0.00% 100%
0.00% 3.17%1 Year NASDAQ 100 Point-to-Point 0.00% 0.00% 4.80% 0.00% 100% 0.00% 3.76%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 0.00% 0.00% 1.80% 0.00% 100%
0.00% 5.88%Inverse Performance Trigger 0.00% 7.35% 0.00% 0.00% 100% 0.00% 1.43%
S&P MARC 5% ER 0.00% 0.00% 0.00% 0.00% 100%
0.00% 4.31%1 Year S&P 500 Point-to-Point 0.00% 0.00% 5.50% 0.00% 100% 0.00% 4.15%
1 Year S&P 500 Monthly Point-to-Point Index Cap 0.00% 0.00% 2.00% 0.00% 100%
C-APL CUMULATIVE
8.10% 09-10 8000.86 10067.33 25.83% 4.75% 4.75%
0.00% 3.63%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJ EuroStoxx 50 Point-to-Point 1 Year Dow Jones Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Low Volatility Daily RC 5% Index 0.00% 0.00% 0.00% 1.80% 100%
4.75%
4.78% 13-14 13860.58 15698.85 13.26% 4.75% 4.75%
3.97% 12-13 12632.91 13860.58 9.72% 4.75%
4.75%
2.63% 11-12 11891.93 12632.91 6.23% 4.75% 4.75%
3.97% 10-11 10067.33 11891.93 18.12% 4.75%
4.14%
4.35% 17-18 19864.09 26149.39 31.64% 4.75% 4.21%
4.16% 16-17 16466.30 19864.09 20.63% 4.75%
4.75%
4.07% 15-16 17164.95 16466.30 -4.07% 0.00% 4.06%
3.97% 14-15 15698.85 17164.95 9.34% 4.75%
0.26%
6.75% 10-11 2147.35 2700.08 25.74% 0.00% 0.13%
6.75% 09-10 1476.42 2147.35 45.44% 0.26%
4.27%
1 Year Hang Seng Point-to-Point 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.90% 18-19 26149.39 22686.22 -13.24% 4.75%
2.11%
4.36% 14-15 4103.88 4635.24 12.95% 0.20% 1.79%
3.89% 13-14 3142.13 4103.88 30.61% 10.70%
0.09%
4.88% 12-13 2813.84 3142.13 11.67% 0.00% 0.06%
4.45% 11-12 2700.08 2813.84 4.21% 0.00%
3.53%
3.94% 18-19 7411.48 6463.50 -12.79% 0.00% 3.17%
4.39% 17-18 5614.79 7411.48 32.00% 15.89%
1.53%
4.10% 16-17 4613.95 5614.79 21.69% 5.99% 2.08%
3.72% 15-16 4635.24 4613.95 -0.46% 0.00%
4.80%
4.80% 10-11 602.04 781.25 29.77% 4.80% 4.80%
4.80% 09-10 443.53 602.04 35.74% 4.80%
1 Year NASDAQ 100 Point-to-Point 1 Year Russell 2000 Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
4.13%
4.70% 14-15 1130.88 1165.39 3.05% 3.05% 3.95%
4.68% 13-14 902.09 1130.88 25.36% 4.80%
3.68%
4.65% 12-13 792.82 902.09 13.78% 4.80% 3.96%
4.60% 11-12 781.25 792.82 1.48% 1.48%
3.69%
3.76% 18-19 1574.98 1330.83 -15.50% 0.00% 3.31%
4.19% 17-18 1361.82 1574.98 15.65% 4.80%
3.37%
4.11% 16-17 1035.38 1361.82 31.53% 4.80% 3.55%
4.02% 15-16 1165.39 1035.38 -11.16% 0.00%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
YEARS BEG-PR END-PR I/Y C-APL
09-10 498.68 702.80 40.93% 4.55%
10-11 702.80 924.77 31.58% 4.55%
11-12 924.77 936.51 1.27% 1.27%
12-13 936.51 1,093.96 16.81% 4.55%
13-14 1,093.96 1,313.08 20.03% 4.55%
14-15 1,313.08 1,435.10 9.29% 4.55%
15-16 1,435.10 1,317.74 -8.18% 0.00%
16-17 1,317.74 1,687.19 28.04% 4.55%
17-18 1,687.19 1,953.97 15.81% 4.55%
18-19 1,953.97 1,631.56 -16.50% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 5.50%
10-11 1,132.99 1,271.87 12.26% 5.50%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 5.50%
13-14 1,498.11 1,782.59 18.99% 5.50%
14-15 1,782.59 1,994.99 11.92% 5.50%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 5.50%
17-18 2,278.87 2,823.81 23.91% 5.50%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 0.00%
10-11 1132.99 1271.87 12.26% 0.00%
11-12 1271.87 1312.41 3.19% 0.00%
12-13 1312.41 1498.11 14.15% 0.00%
13-14 1498.11 1782.59 18.99% 0.00%
14-15 1782.59 1994.99 11.92% 0.00%
15-16 1994.99 1940.24 -2.74% 7.35%
16-17 1940.24 2278.87 17.45% 0.00%
17-18 2278.87 2823.81 23.91% 0.00%
18-19 2823.81 2745.47 -2.77% 7.35%
REPORT ID #: to Jan-19
CUMULATIVE
4.55% 09-10 931.80 1132.99 21.59% 0.00% 0.00%
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL
Performance Choice 8 Continued…
1 Year S&P 400 Point-to-Point 1 Year S&P 500 Monthly Point-to-Point Index Cap
1.28%
3.89% 13-14 1498.11 1782.59 18.99% 8.73% 2.73%
3.72% 12-13 1312.41 1498.11 14.15% 5.23%
0.00%
3.44% 11-12 1271.87 1312.41 3.19% 0.00% 0.00%
4.55% 10-11 1132.99 1271.87 12.26% 0.00%
3.62%
3.67% 17-18 2278.87 2823.81 23.91% 14.80% 4.80%
3.56% 16-17 1940.24 2278.87 17.45% 8.90%
3.37%
3.42% 15-16 1994.99 1940.24 -2.74% 0.00% 2.88%
4.00% 14-15 1782.59 1994.99 11.92% 6.64%
7.60%
5.50% 10-11 211.50 238.98 12.99% 12.99% 10.26%
5.50% 09-10 196.57 211.50 7.60% 7.60%
4.31%
1 Year S&P 500 Point-to-Point S&P MARC 5% ER
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.29% 18-19 2823.81 2745.47 -2.77% 0.00%
7.50%
5.11% 14-15 272.59 290.70 6.64% 6.64% 7.36%
5.03% 13-14 282.25 272.59 -3.42% 0.00%
10.59%
4.92% 12-13 265.89 282.25 6.15% 6.15% 9.47%
4.72% 11-12 238.98 265.89 11.26% 11.26%
6.55%
4.15% 18-19 325.94 315.08 -3.33% 0.00% 5.88%
4.62% 17-18 294.69 325.94 10.60% 10.60%
6.28%
4.51% 16-17 281.87 294.69 4.55% 4.55% 6.06%
4.37% 15-16 290.70 281.87 -3.04% 0.00%
0.00%
0.00% 10-11 142.84 149.90 4.94% 13.17% 6.38%
0.00% 09-10 134.70 142.84 6.04% 0.00%
Inverse Performance Trigger 1 Year S&P 500 Low Volatility Daily RC 5% Index
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.56%
0.00% 14-15 171.42 178.72 4.26% 8.57% 4.38%
0.00% 13-14 155.31 171.42 10.37% 2.46%
5.15%
0.00% 12-13 148.58 155.31 4.53% 0.00% 3.83%
0.00% 11-12 149.90 148.58 -0.88% 2.72%
3.56%
1.43% 18-19 210.32 210.22 -0.05% 4.24% 3.63%
0.79% 17-18 182.94 210.32 14.97% 3.14%
4.14%
0.89% 16-17 175.03 182.94 4.52% 0.00% 3.61%
1.02% 15-16 178.72 175.03 -2.06% 2.73%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
TERM
8
8
8
8
8
8
8
8
8
8
8
8
YEARS BEG-PR END-PR I/Y C-APL
09-10 2,553.41 3,017.80 18.19% 5.10%
10-11 3,017.80 2,839.43 -5.91% 0.00%
11-12 2,839.43 2,389.91 -15.83% 0.00%
12-13 2,389.91 2,701.22 13.03% 5.10%
13-14 2,701.22 3,074.43 13.82% 5.10%
14-15 3,074.43 3,023.14 -1.67% 0.00%
15-16 3,023.14 3,164.76 4.68% 4.68%
16-17 3,164.76 3,315.02 4.75% 4.75%
17-18 3,315.02 3,509.88 5.88% 5.10%
18-19 3,509.88 2,993.18 -14.72% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 12,811.57 20,608.70 60.86% 4.60%
10-11 20,608.70 23,338.02 13.24% 4.60%
11-12 23,338.02 21,680.08 -7.10% 0.00%
12-13 21,680.08 23,020.27 6.18% 4.60%
13-14 23,020.27 22,836.96 -0.80% 0.00%
14-15 22,836.96 24,823.29 8.70% 4.60%
15-16 24,823.29 19,111.93 -23.01% 0.00%
16-17 19,111.93 23,740.73 24.22% 4.60%
17-18 23,740.73 30,844.72 29.92% 4.60%
18-19 30,844.72 25,626.03 -16.92% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 1,476.42 2,147.35 45.44% 3.40%
10-11 2,147.35 2,700.08 25.74% 3.40%
11-12 2,700.08 2,813.84 4.21% 3.40%
12-13 2,813.84 3,142.13 11.67% 3.40%
13-14 3,142.13 4,103.88 30.61% 3.40%
14-15 4,103.88 4,635.24 12.95% 3.40%
15-16 4,635.24 4,613.95 -0.46% 0.00%
16-17 4,613.95 5,614.79 21.69% 3.40%
17-18 5,614.79 7,411.48 32.00% 3.40%
18-19 7,411.48 6,463.50 -12.79% 0.00%
REPORT ID #: to Jan-19
P-FEE RETURN
1 Year DJ EuroStoxx 50 Point-to-Point 3.00% 0.00% 5.10% 0.00% 100% 0.00% 3.26%
North American Performance Choice 8 PlusBONUS TRIGGER CAP SPREAD PAR
|----------------------CREDITING METHODS----------------------|
0.00% 2.48%1 Year NASDAQ 100 Point-to-Point 3.00% 0.00% 3.40% 0.00% 100% 0.00% 3.01%
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate 3.00% 0.00% 1.35% 0.00% 100%
0.00% 3.31%1 Year Hang Seng Point-to-Point 3.00% 0.00% 4.60% 0.00% 100% 0.00% 3.04%
1 Year Dow Jones Point-to-Point 3.00% 0.00% 3.35% 0.00% 100%
0.00% 3.50%1 Year S&P 500 Point-to-Point 3.00% 0.00% 4.15% 0.00% 100% 0.00% 3.52%
1 Year S&P 500 Monthly Point-to-Point Index Cap 3.00% 0.00% 1.60% 0.00% 100%
0.00% 2.79%1 Year S&P 400 Point-to-Point 3.00% 0.00% 3.20% 0.00% 100% 0.00% 2.66%
1 Year Russell 2000 Point-to-Point 3.00% 0.00% 3.40% 0.00% 100%
0.00% 3.10%
BEG-PR=Beginning Price; END-PR= Ending Price; AVE-PR=Average Price; I/Y= Interest Yearly; C-APL=Crediting Applied
1 Year DJ EuroStoxx 50 Point-to-Point 1 Year Dow Jones Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y
1 Year S&P 500 Low Volatility Daily RC 5% Index 3.00% 0.00% 0.00% 3.00% 100%
0.00% 5.27%Inverse Performance Trigger 3.00% 5.50% 0.00% 0.00% 100% 0.00% 1.38%
S&P MARC 5% ER 3.00% 0.00% 0.00% 1.35% 100%
4.89%
2.68% 11-12 11891.93 12632.91 6.23% 3.35% 4.37%
4.04% 10-11 10067.33 11891.93 18.12% 3.35%
C-APL CUMULATIVE
8.25% 09-10 8000.86 10067.33 25.83% 3.35% 6.45%
3.86%
3.26% 15-16 17164.95 16466.30 -4.07% 0.00% 3.30%
3.02% 14-15 15698.85 17164.95 9.34% 3.35%
4.12%
3.64% 13-14 13860.58 15698.85 13.26% 3.35% 3.96%
3.28% 12-13 12632.91 13860.58 9.72% 3.35%
3.31%
1 Year Hang Seng Point-to-Point 1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
3.26% 18-19 26149.39 22686.22 -13.24% 3.35%
3.31%
3.63% 17-18 19864.09 26149.39 31.64% 3.35% 3.31%
3.44% 16-17 16466.30 19864.09 20.63% 3.35%
0.99%
4.20% 12-13 2813.84 3142.13 11.67% 0.00% 0.74%
4.06% 11-12 2700.08 2813.84 4.21% 0.00%
3.00%
6.16% 10-11 2147.35 2700.08 25.74% 0.00% 1.49%
7.74% 09-10 1476.42 2147.35 45.44% 0.00%
1.41%
3.23% 16-17 4613.95 5614.79 21.69% 2.84% 1.59%
3.04% 15-16 4635.24 4613.95 -0.46% 0.00%
1.98%
3.55% 14-15 4103.88 4635.24 12.95% 0.00% 1.65%
3.34% 13-14 3142.13 4103.88 30.61% 7.10%
1 Year NASDAQ 100 Point-to-Point 1 Year Russell 2000 Point-to-Point
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
2.76%
3.04% 18-19 7411.48 6463.50 -12.79% 0.00% 2.48%
3.38% 17-18 5614.79 7411.48 32.00% 12.61%
3.77%
4.17% 12-13 792.82 902.09 13.78% 3.40% 3.68%
4.42% 11-12 781.25 792.82 1.48% 1.48%
6.50%
4.94% 10-11 602.04 781.25 29.77% 3.40% 4.94%
6.50% 09-10 443.53 602.04 35.74% 3.40%
3.02%
3.35% 16-17 1035.38 1361.82 31.53% 3.40% 3.06%
3.34% 15-16 1165.39 1035.38 -11.16% 0.00%
3.62%
3.91% 14-15 1130.88 1165.39 3.05% 3.05% 3.53%
4.01% 13-14 902.09 1130.88 25.36% 3.40%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
3.10%
3.01% 18-19 1574.98 1330.83 -15.50% 0.00% 2.79%
3.36% 17-18 1361.82 1574.98 15.65% 3.40%
YEARS BEG-PR END-PR I/Y C-APL
09-10 498.68 702.80 40.93% 3.20%
10-11 702.80 924.77 31.58% 3.20%
11-12 924.77 936.51 1.27% 1.27%
12-13 936.51 1,093.96 16.81% 3.20%
13-14 1,093.96 1,313.08 20.03% 3.20%
14-15 1,313.08 1,435.10 9.29% 3.20%
15-16 1,435.10 1,317.74 -8.18% 0.00%
16-17 1,317.74 1,687.19 28.04% 3.20%
17-18 1,687.19 1,953.97 15.81% 3.20%
18-19 1,953.97 1,631.56 -16.50% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1,132.99 21.59% 4.15%
10-11 1,132.99 1,271.87 12.26% 4.15%
11-12 1,271.87 1,312.41 3.19% 3.19%
12-13 1,312.41 1,498.11 14.15% 4.15%
13-14 1,498.11 1,782.59 18.99% 4.15%
14-15 1,782.59 1,994.99 11.92% 4.15%
15-16 1,994.99 1,940.24 -2.74% 0.00%
16-17 1,940.24 2,278.87 17.45% 4.15%
17-18 2,278.87 2,823.81 23.91% 4.15%
18-19 2,823.81 2,745.47 -2.77% 0.00%
YEARS BEG-PR END-PR I/Y C-APL
09-10 931.80 1132.99 21.59% 0.00%
10-11 1132.99 1271.87 12.26% 0.00%
11-12 1271.87 1312.41 3.19% 0.00%
12-13 1312.41 1498.11 14.15% 0.00%
13-14 1498.11 1782.59 18.99% 0.00%
14-15 1782.59 1994.99 11.92% 0.00%
15-16 1994.99 1940.24 -2.74% 5.50%
16-17 1940.24 2278.87 17.45% 0.00%
17-18 2278.87 2823.81 23.91% 0.00%
18-19 2823.81 2745.47 -2.77% 5.50%
REPORT ID #: to Jan-19
Performance Choice 8 Plus Continued…
1 Year S&P 400 Point-to-Point 1 Year S&P 500 Monthly Point-to-Point Index Cap
1.49%
3.57% 11-12 1271.87 1312.41 3.19% 0.00% 0.99%
4.74% 10-11 1132.99 1271.87 12.26% 0.00%
CUMULATIVE
6.30% 09-10 931.80 1132.99 21.59% 0.00% 3.00%
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL
2.63%
2.89% 15-16 1994.99 1940.24 -2.74% 0.00% 2.25%
3.38% 14-15 1782.59 1994.99 11.92% 4.33%
1.45%
3.42% 13-14 1498.11 1782.59 18.99% 5.72% 2.29%
3.48% 12-13 1312.41 1498.11 14.15% 2.86%
3.50%
1 Year S&P 500 Point-to-Point S&P MARC 5% ER
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
2.66% 18-19 2823.81 2745.47 -2.77% 0.00%
2.87%
2.96% 17-18 2278.87 2823.81 23.91% 12.54% 3.90%
2.93% 16-17 1940.24 2278.87 17.45% 7.29%
10.32%
4.68% 12-13 265.89 282.25 6.15% 4.80% 8.92%
4.86% 11-12 238.98 265.89 11.26% 9.91%
9.43%
5.70% 10-11 211.50 238.98 12.99% 11.64% 10.53%
7.27% 09-10 196.57 211.50 7.60% 6.25%
5.78%
3.88% 16-17 281.87 294.69 4.55% 3.20% 5.45%
3.85% 15-16 290.70 281.87 -3.04% 0.00%
7.07%
4.50% 14-15 272.59 290.70 6.64% 5.29% 6.77%
4.57% 13-14 282.25 272.59 -3.42% 0.00%
Inverse Performance Trigger 1 Year S&P 500 Low Volatility Daily RC 5% Index
CUMULATIVE YEARS BEG-PR END-PR I/Y C-APL CUMULATIVE
5.87%
3.52% 18-19 325.94 315.08 -3.33% 0.00% 5.27%
3.91% 17-18 294.69 325.94 10.60% 9.25%
5.40%
0.74% 12-13 148.58 155.31 4.53% 0.00% 4.02%
0.99% 11-12 149.90 148.58 -0.88% 1.52%
3.00%
1.49% 10-11 142.84 149.90 4.94% 11.97% 7.39%
3.00% 09-10 134.70 142.84 6.04% 0.00%
3.73%
1.04% 16-17 175.03 182.94 4.52% 0.00% 3.26%
1.19% 15-16 178.72 175.03 -2.06% 1.53%
3.46%
0.49% 14-15 171.42 178.72 4.26% 7.37% 4.10%
0.59% 13-14 155.31 171.42 10.37% 1.26%
*For agent use and allocation reccomendation purposes only. Not for client presentations. Index Resource Center LLC and all sponsors will not be responsible for inaccuracies in this report. Rates are based on index movements
starting ten years ago on the first business day of the month stated on this report moving forward ten years. Initial method rates are used. Future carrier rate changes are not considered. Data sources used for this report are as
follows, but are not limited to: finance.yahoo.com, us.spindices.com, mlsb.ml.com, morganstanley.com, kitco.com, index.barcap.com, index.db.com, pimcoindex.com, jpmorganindices.com, finance.google.com, Morningstar,
janussg-mc.com, madindex.bnpparibas.com, solactive.com, trailblazer.barclays.com and notes.credit-suisse.com. Crediting methods represented in this report may not be available in all states. The carrier(s) (insurance
company/companies) listed on this report do not represent, nor claim any assistance to the methods used, the data used, or the calculations used for the data on this report. Rates are all based upon maximum premium bands
and maximum bonus. Bonuses may vary by annuitant age and state approval.
7437562 Jan-09
3.11%
1.38% 18-19 210.32 210.22 -0.05% 3.04% 3.10%
0.93% 17-18 182.94 210.32 14.97% 1.94%
REPORT CONDITIONS:
HOW TO USE THIS REPORT;
CREDITING METHOD DEFINITIONS:
Client Print Name Client Signature Date
Advisor Print Name Advisor Signature Date
REPORT ID #: to Jan-19
The rates were determined by the highest premium band and the highest bonus granted by the different states that the produt is approved in. Rates are first year
rates only and no consideration was given to the possibility of future rate decreases. Closing prices for all the indices were taken from the first available day of the
month.
This report is not to be considered a predictor of the future. It only represents how these different indices and crediting methods did in real market conditions over
the last 10 years. It is always wise to have a well diversified portfolio and to take the risk tolerance of the index annuity purchaser into consideration.
The "Term" is the number of years that a surrender charge will be assed if the annuity is forfeited. The "Bonus" is a percentage that is credited to the annuity on the
issue date. The "Trigger" is a set rate that will be realized if the index has a positive return. The "Cap" is the highest rate that can be realized in each year of the
contract. The "Spread" is the percentage that is deducted from the index gain each year. If there is no index gain, the spread is not assesed. The "Par", or
Participation Rate is the percentage of the total index gain that is realized each year. The "P-Fee", or Product Fee is assesed on the first day of each year no matter if
an index gain is realized.
By signing below, the client understands that this report is not a guarantee of future performance. It is only an
estimation of past performance. Client represents that they are using the information in this report to assist them in
making their own choices pertaining to the allocation of their index annuity. The agent, Index Resource Center LLC, the
carrier in this report, and all sponsors will not be held responsible for the actual performance of the client's product, nor
the accuracy of this report. All rates and returns are subject to carrier change without notice.
7437562 Jan-09
Index Performance During Time Period
-50.00%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
300.00%
350.00%
400.00%
450.00%
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
S&P 500 S&P 500 VC 5% S&P 500 VC 8% S&P 500 MARC 5% S&P 400
Russell 2000 NASDAQ 100 Dow Jones EuroStoxx 50 Hang Seng