Vega 14

Account Value grows with interest credits and funds day-to-day withdrawals and death benefits. Benefit Value (separate) grows faster via benefit credits and funds lifetime withdrawal benefits.

Your savings are 100% protected from market downturns. On indexed strategies, you earn 0% minimum annually, never negative returns.

Once interest credits are added to your account each term, they are locked in and cannot be lost to future market declines.

Choose Increasing Lifetime Withdrawals (grow with future credits), Level Lifetime Withdrawals (consistent fixed amount), or Accelerated Withdrawals (receive benefit value over a fixed period without lifetime guarantee).

If you cannot perform 2 of 6 Activities of Daily Living and have elected lifetime withdrawals, receive double your regular withdrawal amount for up to 5 years.

Allocate funds among fixed interest (guaranteed rate) or indexed strategies (tied to external market indices). Rebalance annually.

After the first policy year, withdraw up to 5% of account value annually without charges. RMDs are always free withdrawals.

No-cost riders for nursing home care (100% withdrawal after 90 days), terminal illness (100% if life expectancy ≤12 months), and home health care (20% per year for 5 years).

All interest credits compound tax-deferred until you withdraw, allowing more of your savings to work for retirement.

Beneficiaries receive either the full account value as a lump sum or the entire benefit value paid over 5 years, bypassing probate.