Changes to the five- and seven-year withdrawal schedule:
Five Year: 8%, 8%, 7%, 6%, 5%, 0%
Seven Year: 8%, 8%, 7%, 6%, 5%, 4%, 3%, 0%

Changes to the 10-year withdrawal schedule:

Ten Year: 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%

Changes to the five- and seven-year withdrawal charge schedule:
Five Year:8%, 8%, 7%, 6%, 5%, 0%
Seven Year: 8%, 8%, 7%, 6%, 5%, 4%, 3%, 0%

Terminal Illness Waiver and Nursing Home Waiver available in California

Terminal Illness Waiver, Nursing Home Waiver and Income Enhancement Benefit available in California

Terminal Illness Waiver and Nursing Home Waiver available in California

Terminal Illness Waiver and Nursing Home Waiver available in California

_{Please note that not all products, features and materials are available at all firms or in all states.}

NAIC Training
An updated version of the NAIC training will be available on June 12, 2023. Financial professionals who have previously completed NAIC for ForeIncome, ForeAccumulation, Income 150+SE and ForeStructured Growth will not be required to retake the training. The NAIC codes will remain the same.

Marketing materials will be updated and available on June 12, 2023.

New Business

• All applications issued before June 12, 2023, will receive old product features.
• Applications issued on or after June 12, 2023, will receive new product features.
• An updated disclosure document will be available on June 12, 2023. The old disclosure form will not be accepted for new business received on or after July 17, 2023.¹