| Effective July 19, 2016 Interest Rates Decrease Interest rates on most fixed index annuities are decreasing (excluding Multi-Year Guarantee Annuities) | |
| Rider Availability Changes * Income Pay Plus/Income Pay Guaranteed Lifetime Withdrawal Benefit Riders will no longer be available on North American Charter Plus fixed index annuity * Income Pay Plus/Income Pay will be available on the NAC RetireChoice fixed index annuity ONLY when the optional Additional Benefit Rider (ABR) is NOT elected1 * Income Pay Plus/Income Pay Guaranteed Lifetime Withdrawal Benefit Riders will be available on the NAC RetireChoice fixed index annuity ONLY when the optional Additional Benefit Rider (ABR) is NOT elected1 * For Pennsylvania, the Income Pay Guaranteed Lifetime Withdrawal Benefit Rider will no longer be available on the North American Charter and North American Precision fixed index annuities * For Hawaii, the Income Pay Plus will no longer be available on the North American Charter and North American Precision fixed index annuities Click here for the updated state availability chart for rider information in your state. | |
| New interest rates and rider availability will apply to applications received in the Home Office on or after July 19, 2016. To receive current rates and rider availability, get applications in before July 19, 2016. 1. The optional Additional Benefit Rider is available for a cost of 0.60% (14-year) or 0.55% (10-year) of Accumulation Value each contract anniversary during the surrender charge period. | |