Three ways your money earns without exposing it to market losses. Guaranteed rates — better than most banks, contractually locked. Market-linked growth strategies — participation in market gains with a 0% floor (guarantee of no loss). And lifetime income strategies — your own private pension, paid every month for life.
Guaranteed-rate contracts work like a bank CD — usually paying meaningfully more. Interest is contractually locked for the term, principal is protected, and interest compounds tax-deferred until withdrawal.
| Term | Strategy Type | Rate |
|---|---|---|
| 2 Years | Guaranteed Rate | 5.05% |
| 3 Years | Guaranteed Rate | 5.85% |
| 4 Years | Guaranteed Rate | 5.60% |
| 5 Years | Guaranteed Rate | 6.15% |
For money you want to grow more aggressively than a guaranteed rate can offer — but where you can't afford a market loss. Returns are tied to a stock market index. In up years you participate in the gains. In down years the 0% floor is a contractual guarantee of no loss — your principal never goes backwards.
* The 8–10% range represents historical average annual returns across common market-linked strategies over rolling 5-to-10-year periods. Actual annual credits vary year-to-year based on index performance and participation rates. Down-year credits are 0% (principal preserved), not negative. Past performance does not indicate future results. Specific waiver and liquidity terms vary by contract.
For money you want to convert into a paycheck that lasts your entire life. A lifetime income strategy is a contract that pays you a set amount every month, on the same day of the month, for as long as you live — even if the account balance runs out. Think of it as a private pension, or an extra Social Security check that you fund yourself.
"Deposit $100,000. The contract guarantees $9,000 per year for the rest of your life — that's $750 paid to you on the same day every month, like a paycheck."
Illustrative example. Actual guaranteed payout depends on age at start of income, deposit amount, contract term, and current market rates. Payout rates change over time and vary by issuer. Guarantees are subject to the claims-paying ability of the issuing company. Not appropriate for all situations — best matched to a portion of retirement savings, not all of it.
