For 250 years, America has persevered through every challenge and opportunity.
In honor of that American spirit and our country’s milestone birthday, the S&P 500 6-Year Point-to-Point with Index Cap and Buffer Crediting strategy on ForeStructured Growth II now offers a 250% cap,1 one of 53 crediting strategies to choose from.
This gives your clients greater growth potential while benefiting from an element of protection at the end of the Strategy Term.
Additional ForeStructured Growth II features:
*Although there are no explicit ongoing fees under the base Contract, there is an implicit ongoing fee on the Indexed Strategies to the extent that your Index gains will be limited by our use of the Indexed Strategies’ upside crediting methods. This means that returns may be lower than the designated Index’s returns. In return for accepting a limit on Index gains, your client will receive some protection from Index losses (either a buffer or floor), in accordance with the selected Indexed Strategy. In addition to the implicit ongoing fee on the Indexed Strategies, if your client elects the optional death benefit rider, an explicit ongoing fee will be charged to the Contract annually. Also, your client may be subject to other charges and negative adjustments under the Contract, including Withdrawal Charges, negative Market Value Adjustments, and negative Strategy Interim Value adjustments, all of which may result in significant loss. MVA and prorated Rider Charge, which may be significant.
A Strategy Interim Value is applied if amounts are withdrawn or otherwise removed from an Indexed Strategy before the end of a Strategy Term, which may result in significant loss.