$184,509
Gross crediting illustration at age 80 (JourneyMark 10)
Excludes the 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms). This is not a net contract value.
6.5%
Premium bonus offered
Gross crediting illustration for each line; excludes the 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms).
S&P 500 Index — 47% Participation (Annual)
✦How crediting works: the participation rate keeps a share of 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 participation strategy tracks the index within its terms.
What is a cap vs participation? → Assumptions: illustrative — applies JourneyMark 10's published participation rate (47% 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% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $6,500 premium bonus (6.5%) = $106,500. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.