$314,891
Gross crediting illustration at age 80 (Personal Choice Plus+ Annuity)
Excludes the 0.16% current Required Minimum Distribution charge; 0.08% current Preferred 10% Free Withdrawal Rider charge; 0.08% current Accumulated Interest Withdrawal charge. This is not a net contract value.
4.1%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 0.16% current Required Minimum Distribution charge; 0.08% current Preferred 10% Free Withdrawal Rider charge; 0.08% current Accumulated Interest Withdrawal charge.
S&P 500 Index — 4.2% Monthly cap (Monthly Avg Cap)
✦How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; 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 monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return.
What is a cap vs participation? → Assumptions: illustrative — applies Personal Choice Plus+ Annuity's published monthly cap (4.2% on S&P 500 Index) to a standard benchmark hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Gross crediting only: this illustration excludes the 0.16% current Required Minimum Distribution charge; 0.08% current Preferred 10% Free Withdrawal Rider charge; 0.08% current Accumulated Interest Withdrawal charge reported in the source. The supplied charge data does not establish a deduction frequency or basis. This 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.