• 1YR S&P 500 Performance Trigger Rate increasing to 10.50%
• Fixed Rate increasing to 5.75%

100% allocation 1 Year S&P500 Performance Triggered Index at current rate of 10.50% for 100k or more in the Optiblend 7.

• If the S&P500 is negative 1 year out of 7 years = Average return 9.00%
• If the S&P500 is negative 2 years out of 7 = Average return 7.50%
• If the S&P500 is negative 3 years out of 7 = Average return 6.00%

What if a Client doesn’t want to see a 0% crediting? Consider a 50/50 allocation between the 1 Year S&P500 Performance Triggered Index at 10.50% and the Fixed Account Rate at 5.75%

• In a policy year that the S&P500 is negative the total interest at current rates would be 2.875% because of the fixed rate crediting regardless of the S&P500 performance.
• In a policy year that the S&P500 is positive the 1 Year S&P500 Performance Triggered Index and the Fixed Account rate would both credit for a blended return of 8.125%.