OrionShield 10

Your account value cannot go down due to market losses. If index returns equal 0% or are negative, your credited interest equals 0%—protecting you from negative years while still allowing you to participate in positive ones.

Receive an immediate bonus equal to a percentage of your initial investment (5% to 21% depending on age and option level), which then earns interest alongside your contract value.

Your earnings compound without annual tax liability. Taxes are due only when you withdraw funds, allowing more money to remain invested and working for you.

Choose from 8 index-based strategies (Group A and B) including S&P 500, NASDAQ, and multi-asset risk-controlled indices, or a fixed account option. Group A strategies count toward premium bonus allocation requirements.

Ensures a minimum percentage of credited interest after your surrender period ends. If your ending contract value is lower than your GAP value, the GAP value becomes your starting value for the next term.

If you pass away during the accumulation phase, beneficiaries can receive the full account value without penalty, preserving your legacy.

Your credited interest is limited by either a participation rate (you receive a percentage of index gains) or a return cap (maximum annual interest you can earn). Rates are set at contract issue and may change each crediting period.