Strategic Growth Plus
Security Benefit Life
8%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that lets you accumulate retirement savings with the potential for growth tied to market indices while protecting your principal from market losses. Ideal for people who want growth potential without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morgan Stanley Global Equity Allocator Index | 2-Year | -- | 208% | -- |
| Morgan Stanley Global Equity Allocator Index | Annual | -- | 140% | -- |
| Morningstar Wide Moat Focus Barclays VC 7% Index ER | 2-Year | -- | 100% | -- |
| Morningstar Wide Moat Focus Barclays VC 7% Index ER | Annual | -- | 70% | -- |
| MSCI EAFE Index | Annual | 8% | 100% | -- |
| Nasdaq-100 Index | Annual | 7.85% | 100% | -- |
| Russell 2000 Index | Annual | 8.6% | 100% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | 2-Year | -- | 96% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 50% | -- |
| S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER | 2-Year | -- | 150% | -- |
| S&P 500 Factor Rotator Daily RC2 7% Index (USD) ER | Annual | -- | 113% | -- |
| S&P 500 Index | Annual | 7.75% | 100% | -- |
| S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index | 2-Year | -- | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 212% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 168% | -- |
| UBS Market Pioneers | 2-Year | -- | 120% | -- |
| UBS Market Pioneers | Annual | -- | 130% | -- |
| UBS Multi Asset Inflation Aware Index | 2-Year | -- | 150% | -- |
| UBS Multi Asset Inflation Aware Index | Annual | -- | 155% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Upfront Bonus
Varies by product electionA bonus applied to your initial purchase to increase your starting account value
Index Crediting Options
42 options + Fixed Account42 different crediting strategies derived from 12 underlying indices, allowing customization based on your risk preference
Rate Buy Up Feature
Available on contracts issued after 1/9/2023Improve your potential returns by choosing higher caps, lower spreads, or higher participation rates on index accounts
Free Withdrawals
10% per yearAccess up to 10% of your contract value annually without surrender charges after the first year
Guaranteed Minimum Rate
Guaranteed for Fixed AccountYour Fixed Account option includes a guaranteed minimum interest rate floor
Nursing Home & Terminal Illness Waivers
Availability varies by stateSpecial provisions that may waive surrender charges if you enter a nursing home or are diagnosed with a terminal illness
Highlights
Earn potential growth tied to market indices without direct stock market risk
Receive an upfront bonus on your initial purchase to boost your starting balance
Choose from 42 index crediting options across 12 different indices for diversified strategies
Access 10% of your money annually without penalties after the first year
Protect your family with nursing home and terminal illness waivers
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals with a lump sum of money who want growth potential without direct market exposure and who value principal protection and flexibility.
Consider Alternatives If
People who need immediate access to all their funds or who want direct stock market participation with potentially higher growth ceilings.
Carrier Ratings
Free Comparison Report
Get a personalized Strategic Growth Plus illustration
See year-by-year projections for your specific age, premium, and income goals.
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