On The Move – May 6, 2025

May 7, 2025 – Effective Date of Change

Fidelity & Guaranty Life

Fixed Indexed Annuity

FG 1-2-3 Anytime Income 10,000+

• Balanced Asset 10 Index One-Year Point-to-Point Par:  Part Rate 60%
• Balanced Asset 10 Index One-Year Point-to-Point Spread and Par :  Spread 5.5%  Part Rate 105%
• Balanced Asset 10 Index Two-Year Point-to-Point Spread and Par:  Part Rate 80%
• Balanced Asset 5 Index One-Year Point-to-Point Spread and Par:  Part Rate 110%
• Balanced Asset 5 Index Two-Year Point-to-Point Spread and Par:  Part Rate 160%
• BlackRock Market Advantage One-Year Point-to-Point Par:  Part Rate 85%
• BlackRock Market Advantage Two-Year Point-to-Point Spread and Par:  Part Rate 125%
• Morgan Stanley US Equity Allocator One-Year Point-to-Point Spread and Par:  Part Rate 50%
• Morgan Stanley US Equity Allocator Two-Year Point-to-Point Spread and Par:  Part Rate 75%
• S&P 500 One-Year Monthly Point-to-Point Cap:  Cap 2.2% 
• S&P 500 One-Year Point-to-Point Cap:  Cap 5.25% 
• S&P 500 One-Year Point-to-Point Performance Trigger:  Cap 3.75% 
• Fixed:  Rate: 2.65%

FG 1-2-3 Future Income 10,000+

• Fixed:  Rate: 2.85%
• Balanced Asset 10 Index One-Year Point-to-Point Par:  Part Rate 60%
• Balanced Asset 10 Index One-Year Point-to-Point Spread and Par :  Spread 5.5%  Part Rate 110%
• Balanced Asset 10 Index Two-Year Point-to-Point Spread and Par:  Part Rate 85%
• Balanced Asset 5 Index One-Year Point-to-Point Spread and Par:  Part Rate 115%
• Balanced Asset 5 Index Two-Year Point-to-Point Spread and Par:  Part Rate 165%
• BlackRock Market Advantage One-Year Point-to-Point Par:  Part Rate 90%
• BlackRock Market Advantage Two-Year Point-to-Point Spread and Par:  Part Rate 130%
• Morgan Stanley US Equity Allocator One-Year Point-to-Point Spread and Par:  Part Rate 50%
• Morgan Stanley US Equity Allocator Two-Year Point-to-Point Spread and Par:  Part Rate 80%
• S&P 500 One-Year Monthly Point-to-Point Cap:  Cap 2.25% 
• S&P 500 One-Year Point-to-Point Cap:  Cap 5.5% 
• S&P 500 One-Year Point-to-Point Performance Trigger:  Cap 4% 

FG AccumulatorPlus 10 10,000+

• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 90%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 115%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 130%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 150%
• 1-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 200%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 290%
• 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 260%
• 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 335%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 3.3% 
• 1-Year S&P 500 Monthly Average with Cap:  Cap 9.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9% 
• 1-Year S&P 500 Annual Performance Trigger:  Cap 6.75% 
• 1-Year Fixed Account:  Rate: 3.75%
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 270%
• 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 50%
• 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 4.3% 
• 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 16.75% 
• 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 11.75% 
• 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 8.75% 
• 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 310%

FG AccumulatorPlus 7 10,000+

• 1-Year S&P 500 Annual Point-to-Point with Participation Rate With Charge:  Part Rate 50%
• 1-Year S&P 500 Monthly Point-to-Point With Charge:  Cap 4.25% 
• 1-Year S&P 500 Monthly Average with Cap With Charge:  Cap 16.5% 
• 1-Year S&P 500 Point-to-Point with Cap With Charge:  Cap 11.5% 
• 1-Year S&P 500 Annual Performance Trigger With Charge:  Cap 8.5% 
• 2-Year Barclays Trailblazer Sectors 5 Index With Charge:  Part Rate 305%
• 1-Year S&P 500 Monthly Point-to-Point:  Cap 3.25% 
• 1-Year S&P 500 Monthly Average with Cap:  Cap 9% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.75% 
• 1-Year S&P 500 Annual Performance Trigger:  Cap 6.5% 
• 2-Year Barclays Trailblazer Sectors 5 Index:  Part Rate 265%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 255%
• 2-Year GS Global Factor Point-to-Point Par With Charge:  Part Rate 330%
• 1-Year GS Global Factor Point-to-Point Spread and Par :  Part Rate 195%
• 2-Year GS Global Factor Point-to-Point Spread and Par:  Part Rate 285%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 85%
• 1-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 110%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par:  Part Rate 125%
• 2-Year Morgan Stanley US Equity Allocator Point-to-Point Spread and Par With Charge:  Part Rate 145%

FG Power Accumulator 10 10,000+

• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 90%
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 115%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 130%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 150%
• 1-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 9% 
• 2-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 16% 
• 1-Year Balanced Asset 5 Index Par:  Part Rate 195%
• 1-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 250%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 275%
• 2-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 315%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 110%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 190%
• 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 50%
• 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 65%
• 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 45%
• 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 90%
• 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 45%
• 2-Year iShares U.S. Real (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 80%
• 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 45%
• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 215%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 155%
• 1-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 200%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 245%

FG Power Accumulator 7 10,000+

• 2-Year BlackRock Market Advantage Point-to-Point with Spread and Par:  Part Rate 210%
• 1-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 150%
• 1-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 195%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 240%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 105%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 3%  Part Rate 185%
• 1-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Par:  Part Rate 50%
• 2-Year iShares Core S&P 500 ETF (IVV) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 65%
• 1-Year iShares MSCI EAFE (EFA) Point-to-Point with Par:  Part Rate 45%
• 2-Year iShares MSCI EAFE (EFA) Point-to-Point with Spread & Par:  Spread 4.5%  Part Rate 85%
• 1-Year iShares U.S. Real Estate (IYR) Point-to-Point with Par :  Part Rate 45%
• 2-Year iShares U.S. Real Estate (IYR) Point-to-Point with Spread & Par:  Spread 2.5%  Part Rate 80%
• 1-Year iShares Gold Trust (IAU) Point-to-Point with Par :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.75%
• 1-Year Balanced Asset 5 Index Par:  Part Rate 190%
• 1-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 245%
• 2-Year Balanced Asset 5 Index with Spread & Par:  Part Rate 270%
• 2-Year Balanced Asset 5 Index Par *FEE*:  Part Rate 310%
• 1-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 8.75% 
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 85%
• 1-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 110%
• 2-Year iShares Core S&P 500 ETF Point-to-Point with Cap:  Cap 16% 
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par:  Part Rate 125%
• 2-Year MS US Equity Allocator Point-to-Point with Spread & Par *FEE*:  Part Rate 145%

Flex Accumulator 10,000+

• S&P 500 1-year Monthly Point-to-Point w/Cap:  Cap 3% 
• S&P 500 1-Year Annual Point-to-Point w/Cap:  Cap 8% 
• Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par :  Part Rate 245%
• S&P 500 1-year Monthly Point-to-Point w/Cap With Charge:  Cap 3.9% 
• Barclays TrailBlazer Sector 5 Index 2-Year Point-to-Point w/Spread & Par With Charge:  Part Rate 285%
• 1 Year Fixed Account :  Rate: 3.5%
• S&P 500 1-Year Annual Point-to-Point w/Spread & Par With Charge:  Spread 3%  Part Rate 60%
• S&P 500 1-Year Annual Point-to-Point w/Spread & Par:  Spread 3%  Part Rate 45%
• 1-Year Balanced Asset 10 Index Point-to-Point with Par :  Part Rate 90%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par with Fee:  Spread 4%  Part Rate 200%
• 2-Year BlackRock Market Advantage Point-to-Point with Par:  Part Rate 195%
• 2-Year BlackRock Market Advantage Point-to-Point with Par *FEE*:  Part Rate 225%
• 2-Year Balanced Asset 10 Index Point-to-Point with Spread & Par :  Spread 4%  Part Rate 175%

Prosperity Elite 10 Enhancement 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 235%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.75% 
• 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 3.05% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.75% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 240%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 280%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 260%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 300%

Prosperity Elite 10 Protection 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 240%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 280%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 260%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 300%
• 1-Year S&P 500 Monthly Point-to-Point with a Cap :  Cap 3.05% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 7.75% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.75% 
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 235%

Prosperity Elite 14 Enhancement 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 245%
• 1-Year Gold Point-to-Point with a Cap:  Cap 10% 
• 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 3.1% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8.25% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6.25% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 180%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 265%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 305%

Prosperity Elite 14 Protection 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 175%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 180%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 265%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 305%
• 1-Year S&P 500 Monthly Point-to-Point with a Cap:  Cap 3.1% 
• 1-Year S&P 500 Monthly Average with A Cap :  Cap 8.25% 
• 1-Year S&P 500 Point-to-Point with a Cap :  Cap 8% 
• 1-Year Index Gain Option with Declared Rate:  Cap 6.25% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Gold Point-to-Point with a Cap:  Cap 10% 
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 245%

Prosperity Elite 7 Enhancement 10,000+

• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 230%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.5% 
• 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 3% 
• 1-Year S&P 500 Monthly Average with Cap :  Cap 7.75% 
• 1-Year S&P 500 Point-to-Point with Cap :  Cap 7.5% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.75% 
• 1 Year Fixed Account :  Rate: 3.75%
• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 165%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 235%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 275%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 290%

Prosperity Elite 7 Protection 10,000+

• 1-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 165%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate:  Part Rate 235%
• 2-Year Balanced Asset 5 Point-to-point with Participation Rate with Charge:  Part Rate 275%
• 1-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 170%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate:  Part Rate 250%
• 2-Year Goldman Sachs Global Factor Point-to-point with Participation Rate with Charge:  Part Rate 290%
• 1-Year Gold Point-to-Point with a Cap:  Cap 9.5% 
• 2-Year Barclays Trailblazer Sectors 5 Index :  Part Rate 230%
• 1-Year S&P 500 Monthly Point-to-Point with Cap :  Cap 3% 
• 1-Year S&P 500 Monthly Average with Cap :  Cap 7.75% 
• 1-Year S&P 500 Point-to-Point with Cap :  Cap 7.5% 
• 1-Year Index Gain Option with Declared Rate:  Cap 5.75% 
• 1 Year Fixed Account :  Rate: 3.75%

MassMutual Ascend Life Insurance Company

Fixed Indexed Annuity

American Landmark 5 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 10% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 60%
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 65%
• 1 Year Declared Rate Strategy :  Rate: 4.25%
• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 7.5% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 12.25% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12.5% 

American Landmark 5 100,000+

• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 13% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 12.75% 
• S&P 500 5-year Cap Lock Annual Point-to-Point :  Cap 8% 
• 1 Year Declared Rate Strategy :  Rate: 4.45%
• 1 Year S&P 500 Risk Control Annual Point to Point PR:  Part Rate 70%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 65%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 10.8% 
• 1 Year S&P 500 Annual Point-to-Point with Cap:  Cap 8.5% 

American Landmark 5 Non-MVA 10,000+

• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 7.75% 
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 9.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 55%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 60%
• 1 Year Declared Rate Strategy :  Rate: 3.85%
• S&P 500 5-year cap lock annual point-to-point :  Cap 7% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 11.75% 
• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 11.5% 

American Landmark 5 Non-MVA 100,000+

• 1-Year First Trust Barclays Edge point-to-point with 5-year Cap rate lock:  Cap 11.75% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 12% 
• S&P 500 5-year cap lock annual point-to-point :  Cap 7.25% 
• 1 Year Declared Rate Strategy :  Rate: 3.95%
• 1 Year S&P 500 Risk Control with PR:  Part Rate 65%
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 60%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 10.25% 
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 8% 

American Legend 7 10,000+

• 1 Year Declared Rate Strategy :  Rate: 4.5%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.5% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 70%
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 8% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 13.75% 
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 13.65% 
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 11.75% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 65%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 11% 

American Legend 7 100,000+

• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap:  Cap 12% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate:  Part Rate 70%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap:  Cap 12.5% 
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 14.15% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 14.25% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 8.5% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 10% 
• 1 Year Declared Rate Strategy :  Rate: 4.7%

American Legend 7 Non-MVA 10,000+

• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7.5% 
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 13.25% 
• 1 Year Declared Rate Strategy :  Rate: 4.35%
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 13% 
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.25% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate :  Part Rate 65%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 11% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate :  Part Rate 60%
• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 10.75% 

American Legend 7 Non-MVA 100,000+

• 1 Year iShares U.S. Real Estate Annual Point to Point with Cap :  Cap 11.25% 
• 1 Year S&P U.S. Retiree Spending Annual Point to Point with Patrticipation Rate :  Part Rate 65%
• 1 Year SPDR Gold Shares Annual Point-to-Point Cap :  Cap 11.25% 
• 1 Year S&P 500 Risk Control Annual Point to Point with Participation Rate :  Part Rate 70%
• 1 Year S&P 500 Annual Point-to-Point with Cap :  Cap 9.5% 
• 1-Year First Trust Barclays Edge point-to-point with 7-year Cap rate lock:  Cap 13.25% 
• 1 Year Declared Rate Strategy :  Rate: 4.5%
• 1-Year First Trust Barclays Edge point-to-point with Cap rate:  Cap 13.5% 
• 1 Year S&P 500 7-year cap lock point-to-point:  Cap 7.75% 

May 9, 2025 – Effective Date of Change

Oceanview Life and Annuity

Fixed Indexed Annuity

Harbourview FIA 10 20,000+

• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 1 Year Fixed Rate Account:  Rate: 4%

Harbourview FIA 10 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 180%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 90%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 14% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 7% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Rate Account:  Rate: 4%

Harbourview FIA 3 20,000+

• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 60%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 75%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 3 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 6.75% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 4% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 5 20,000+

• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 65%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 50%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 1 Year Fixed Account:  Rate: 4%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%

Harbourview FIA 5 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 140%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 70%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 7.25% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 5% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 7 20,000+

• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 60%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 45%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 1 Year Fixed Account:  Rate: 4%

Harbourview FIA 7 CA 20,000+

• 1 Year S&P 500 Daily Risk Control 5% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 160%
• 1 Year S&P 500 Daily Risk Control 10% Excess Return Annual Point to Point w/ Participation Rate:  Part Rate 80%
• 1 Year Russell 2000 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year Nasdaq-100 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Annual Point to Point w/ Cap:  Cap 12% 
• 1 Year S&P 500 Annual Point to Point w/ Participation:  Part Rate 35%
• 1 Year S&P 500 Monthly Average w/ Cap:  Cap 6% 
• 2 Year S&P 500 Point to Point w/ Participation Rate:  Part Rate 50%
• 1 Year Fixed Account:  Rate: 4%

MYGA

• Harbourview 10 20,000+  4.95%

• Harbourview 10 70,000+  5.30%
• Harbourview 10 100,000+  5.30%
• Harbourview 10 (CA) 20,000+  4.80%
• Harbourview 10 (CA) 70,000+  5.15%
• Harbourview 10 (CA) 100,000+  5.15%
• Harbourview 2 20,000+  4.40%
• Harbourview 2 70,000+  4.75%
• Harbourview 2 100,000+  4.75%
• Harbourview 2 (CA) 20,000+  4.30%
• Harbourview 2 (CA) 70,000+  4.65%
• Harbourview 2 (CA) 100,000+  4.65%
• Harbourview 3 20,000+  4.40%
• Harbourview 3 70,000+  4.75%
• Harbourview 3 100,000+  4.75%
• Harbourview 3 (CA) 20,000+  4.20%
• Harbourview 3 (CA) 70,000+  4.55%
• Harbourview 3 (CA) 100,000+  4.55%
• Harbourview 4 20,000+  4.65%
• Harbourview 4 70,000+  5.00%
• Harbourview 4 100,000+  5.00%
• Harbourview 4 (CA) 20,000+  4.50%
• Harbourview 4 (CA) 70,000+  4.85%
• Harbourview 4 (CA) 100,000+  4.85%
• Harbourview 5 20,000+  4.50%
• Harbourview 5 70,000+  4.85%
• Harbourview 5 100,000+  4.85%
• Harbourview 5 (CA) 20,000+  4.35%
• Harbourview 5 (CA) 70,000+  4.70%
• Harbourview 5 (CA) 100,000+  4.70%
• Harbourview 6 20,000+  4.85%
• Harbourview 6 70,000+  5.20%
• Harbourview 6 100,000+  5.20%
• Harbourview 6 (CA) 20,000+  4.70%
• Harbourview 6 (CA) 70,000+  5.05%
• Harbourview 6 (CA) 100,000+  5.05%
• Harbourview 7 20,000+  4.60%
• Harbourview 7 70,000+  4.95%
• Harbourview 7 100,000+  4.95%
• Harbourview 7 (CA) 20,000+  4.45%
• Harbourview 7 (CA) 70,000+  4.80%
• Harbourview 7 (CA) 100,000+  4.80%