Â鶹´«Ã½

Product Resources

To get product support or request an illustration, contact our Sales Desk at 888-Annuity (266-8489)

Multiple Interest Crediting Strategies

Allocate to strategies featuring a variety of crediting methods.1
 
Allocate to equity, multi-asset, and fixed account options.1
 
Allocate to one or more strategies featuring complementary underlying market indices.

  • Protector's Trigger strategy guarantees a fixed interest rate (the Trigger Rate) on the next contract anniversary, if the Index Change is flat or positive. The Trigger Rate is never lower than the minimum Trigger Rate set for the respective period.
  • Protector's Cap Rate Lock and Trigger Rate Lock strategies guarantee the Cap Rate or Trigger Rate, respectively, 
    for the Withdrawal Charge period; at the end of the Withdrawal Charge period, funds are automatically transferred to the 1-year non rate locked strategy unless otherwise specified.

Optional Riders

  • Minimum Interest Credit Rider (for a charge):  At the end of the Withdrawal Charge period, if the total interest credited is less than the Minimum Interest Credit, contract owners will receive a one-time interest credit to make up the difference. The Minimum Interest Credit based on a percentage of initial premium minus any withdrawals. 
  • Minimum Interest Credit Rider and Return of Premium Rider (for a charge): Offers both the Minimum Interest Credit and the Return of Premium benefits, additionally ensuring that if the contract owner surrenders the contract during the Withdrawal Charge period, they receive the greater of the Cash Surrender Value or the initial premium minus prior withdrawals.

Additional Features for Added Peace of Mind

  • Up to 10% Free Withdrawals:2
    Beginning in the first Contract Year, your client can withdraw up to 10% of their annuity’s Accumulated Value each Contract Year without a Withdrawal Charge.
  • Bailout Feature:3 
    If Â鶹´«Ã½ lowers the declared 1 Year Point-to-Point S&P 500® Index Strategy Annual Cap Rate below the Bailout Cap Rate, your client will have full access to their annuity’s Accumulated Value — free of any charges — for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced.
  • Terminal Illness and Confinement Waivers:4
    Withdraw up to 100% of the annuity’s Accumulated Value if the Annuitant is confined or diagnosed with a terminal illness that is expected to result in death within one year and eligibility requirements are met.

Get started with Â鶹´«Ã½ today.

Contact our sales desk at 888-ANNUITY (266-8489). Find out how Â鶹´«Ã½â€™s product suite can help meet your clients’ needs.

 

UBS Home 

1See the Index Strategy Disclosure and Allocation Form for more information. Note that Â鶹´«Ã½ may add or eliminate index strategies from time to time. A specific strategy may not be available for the life of the contract.

2Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Withdrawals are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge which may result in the loss of principal.

3 After the 30-day Bailout Window, all charges may apply. 

4This benefit is NOT long-term care insurance nor is it a substitute for such coverage. May not be available in all states. Additional limitations, variations, and exclusions may apply. Please see Certificate of Disclosure.

Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

Â鶹´«Ã½ Protector ICC15 GEN (09/15) NB, Minimum Interest Credit and Return of Premium Rider ICC24 MICROP (04/25) and Minimum Interest Credit Rider ICC24 MICWC (04/25) or state variations issued by Â鶹´«Ã½ Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.