ForeStructured
Growth II

Registered Index-linked Annuity

Opportunity, protection, and flexibility

ForeStructured Growth II (RILA) offers clients meaningful growth potential and risk management features to help protect against an element of loss as they navigate retirement.

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    Overview

    Strengthen
    Long-term
    Investing

    Campers

    Opportunity, protection, and flexibility

    ForeStructured Growth II is a registered index-linked annuity (RILA) designed to offer your clients the opportunity for growth along with an element of protection through Buffers and Floors if held through the Strategy Term. ForeStructured Growth II also introduces several NEW Dual Directional Crediting Strategies.

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    Wade Pfau over mountain range

    Unlock exclusive insights

    Read the new whitepaper from retirement expert Dr. Wade Pfau and get to know the potential benefits of the Dual Directional Yield Crediting Strategy, available on ForeStructured Growth II RILA.

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    Crediting strategies

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    Create a personalized allocation 2

    Your clients can allocate their premiums to one or more of the available Index Crediting Strategies. Thanks to an element of protection provided through features such as Buffers and Floors, ForeStructured Growth II may make it easier for them to stay the course over the long term and have the potential to grow their retirement assets with index-linked interest crediting.

    Discover Crediting Strategies
    Participation Rate w/ Buffer

    Participation Rate with Buffer

    Designed to provide the benefit of upside potential while protecting against an element of loss at the end of the Strategy Term, the Six-Year Participation Rate with Buffer Strategy may help your clients keep their retirement goals on track.

    Dual Directional Trigger and Buffer

    Dual Directional Trigger with Buffer

    The Dual Directional Trigger with Buffer Strategy is designed to provide the benefits of upside potential along with an element of protection at the end of the Strategy Term through the Buffer, even if the Index Return is flat, or in some instances negative.

    Dual Directional Yield with Buffer

    Dual Directional Yield with Buffer

    The Dual Directional Yield with Buffer Interest Crediting Strategy, unlike other Indexed Strategies, includes the Performance Yield crediting method. Positive credits (if any) come in the form of non-guaranteed quarterly Performance Credits to the Performance Credit Account, not Index Credits.

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    Matching opportunities with your clients' needs

    ForeStructured Growth II offers your clients a variety of crediting strategies designed to meet a variety of retirement planning challenges they may be facing.

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    Historic impacts of index performance on a RILA

    The S&P 500 - A Historical Perspective

    Understanding how markets have performed over time can provide insight into the likelihood of success. See how the S&P 500 Price Return Index has performed since inception.

    Dual Directional Yield Strategy

    Dual Directional Yield Strategy

    Dual Directional Yield Strategy

    Do you have clients who prioritize protection, stability, and income potential? See how our exclusive Dual Directional Yield Strategy may offer a unique solution for today’s retirement environment. 3

    Case Studies

    Crediting
    Strategies
    in Action

    A Potential Alternative Strategy for Fixed Income

    RILAs as a Potential Alternative to Fixed Income  

    Among the 53 Crediting Strategies available on ForeStructured Growth II (RILA), the 6 Year Point-to-Point S&P 500® Dual Directional Yield Crediting Strategies may offer a compelling alternative to fixed income. To better understand how these Strategies can play a role in certain client portfolios, we looked at two examples using historical index data.

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    Participation Rate w/ Buffer

    Using RILA as an Alternative Allocation for Fixed Income

    Bonds may no longer be the “portfolio shock absorbers” they once were. In this hypothetical scenario, we explore how Dual Directional Yield Crediting Strategies, two of 53 Crediting Strategies available on ForeStructured Growth II (RILA), may offer a compelling alternative.

    Dual Directional Trigger and Buffer

    A Potential Income Generation Approach

    The 6 Year Point-to-Point S&P 500® Dual Directional Yield Crediting Strategies available exclusively through ForeStructured Growth II provide the potential for non-guaranteed quarterly Performance Credits that can be used as income. How do these innovative Strategies work? Our case study examines one hypothetical 6-year Strategy Term to explain. 

    Dual Directional Yield with Buffer

    How a RILA can Help Navigate the Fragile Decade

    The Fragile Decade, the five years before and five years after a person retires, is a critical time for financial planning. In this hypothetical case study, we explore how a ForeStructured Growth II (RILA) may help address some of the common challenges this period presents.

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    ForeStructured Growth II calculator

    ForeStructured Growth II calculator

    ForeStructured Growth II offers your clients a variety of crediting strategies designed to meet a variety of retirement planning challenges they may be facing.

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    Illustrations

    Illustrations

    Create personalized illustrations and give your clients a clear view of how ForeStructured Growth II can help keep their retirement on track.

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    Overview

    Strengthen
    Long-term
    Investing

    Campers

    Opportunity, protection, and flexibility

    ForeStructured Growth II is a registered index-linked annuity (RILA) designed to offer your clients the opportunity for growth along with an element of protection through Buffers and Floors if held through the Strategy Term. ForeStructured Growth II also introduces several NEW Dual Directional Crediting Strategies that have the potential to provide growth potential in up, flat, and some down equity markets.

    Download brochure
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    Growth Opportunity

    Help your clients with a portfolio of Crediting Strategies that can be allocated to help meet their needs, with the potential for moderate to high return over a longer-term horizon.
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    Protection

    Protect your clients from an element of downside risk with protection features including Buffer, Floor, and even Adaptive Floor1 strategies.
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    Flexibility

    A variety of Crediting Strategies allow your clients to customize their allocations to align with their appetite for growth and tolerance for risk.