Balance growth potential, protection, and flexibility
ForeStructured Growth II offers up to 53 Interest Crediting Strategies across two indices, a Performance Credit Account, and a One-Year Fixed Rate Crediting Strategy to help align with your clients' objectives.
Crediting strategies
- Dual Directional Strategies
- Index Trigger Strategies
- Index Cap Strategies
- Participation Rate Strategies
- Adaptive Floor1
A closer look
Dual Directional Strategies
Dual Directional Cap with Buffer
The Directional Cap with Buffer Strategy is designed to provide the benefit of upside potential at the end of the Strategy Term when the Index Return is positive, flat or in some instances negative. The Strategy also includes a Buffer that is designed to provide an element of protection at the end of the Strategy Term.
Dual Directional Trigger with Buffer
The Directional Trigger Strategy provides the benefit of upside potential at the end of the Strategy Term when the Index Return is positive, flat or in some instances negative. The Trigger Level sets an Index Return Threshold which is used in the determination of the Index Credit. If the Index Return is positive, zero, and in some instances negative the Index Credit will be equal to the Index Trigger Rate. A Buffer will provide an element of protection against a potential negative return until the protection level has been exceeded.
Dual Directional Trigger with Cap and Buffer
The Directional Trigger with Cap and Buffer Strategy is designed to provide the benefit of upside potential at the end of the Strategy Term when the Index Return is positive, flat or in some instances negative. The Strategy also includes a Buffer that is designed to provide an element of protection at the end of the Strategy Term.
Dual Directional Yield with Buffer
The Directional Yield with Buffer Interest Crediting Strategy, unlike other Indexed Strategies, includes the Performance Yield upside crediting method. Positive credits (if any) come in the form of quarterly Performance Credits to the Performance Credit Account, not Index Credits. At the end of the Strategy Term, a Buffer is designed to provide an element of protection against a potential negative return until the protection level has been exceeded at the end of the Strategy Term.
Contract owners can only allocate to one Dual Directional Yield Strategy per Strategy Term.
Index Trigger Strategies
The Index Trigger with Buffer Strategy is designed to provide the benefit of upside potential when the Index Return is positive or flat. When the Index Return is negative, the Strategy provides an element of protection through a Buffer at the end of the Strategy Term.
Index Cap Strategies
The Index Cap with Buffer Strategy is designed to provide the benefit of upside potential when the Index is positive. When the Index is negative, the Strategy provides an element of protection through a Buffer at the end of the Strategy Term.
The 0% Floor with Cap Strategy provides the benefit of upside potential while also providing protection from loss at the end of the Strategy Term. The Floor Percentage establishes the lowest negative Index Credit that may be applied for a Segment Term. Interest crediting will be equal to the Index Return up to and including the Index Cap. Interest will not be credited for any Index performance above the Index Cap. The 0% Floor Strategy is designed to provide full protection against negative Index returns at the end of the Strategy Term.
Index Participation Rate Strategies
Index Participation Rate with Buffer
The Index Participation Rate with Buffer Strategy is designed to provide the benefit of upside potential while also providing an element of protection at the end of the Strategy Term. In years of higher positive performance, a Participation Rate Strategy may capture greater overall interest credits when compared to other strategies with an Index Cap. When the Index is negative, the Strategy provides an element of protection through a Buffer at the end of the Strategy Term.
Tiered Participation with Buffer
The Tiered Participation Rate and Buffer Strategy is designed to provide the benefit of upside potential while also providing an element of protection at the end of the Strategy Term. The strategy offers a percentage of the positive Index growth up to the Tier Level and then the opportunity to accelerate potential growth by capturing a greater percentage of the Index growth above that level. When the Index is negative, the Strategy provides an element of protection through a Buffer at the end of the Strategy Term.
Adaptive Floor
The Point-to-Point Adaptive Floor with Cap Strategy is designed to preserve 90% of the initial allocation, establishing a protected amount for the duration of the Strategy Term and not subject to performance losses if held through the end of the Strategy Term. Growth potential will increase in future Strategy Terms through higher Index Caps when the Adaptive Floor Percentage change provides a greater potential loss of Strategy Contract Value, however the potential loss is designed to not allow the Strategy Contract Value to fall below the protected amount.
Linked Indices
The S&P 500® is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% of available market capitalization.
The Nasdaq-100® Index defines today’s modern-day industrials—comprised of 100 of the largest and most innovative non-financial companies listed on the Nasdaq Stock Market based on market capitalization.
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