$192,917
Gross crediting illustration at age 80 (Essential Income 7)
Excludes the 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms). This is not a net contract value.
4%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms).
S&P 500 Index — 4% Cap (Annual)
✦How crediting works: the cap limits positive index returns; a down index year has
0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms.
What is a cap vs participation? → Assumptions: illustrative — applies Essential Income 7's published cap rate (4% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.05% annual Essential Income Benefit - Increasing Income charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.