Retirement Plus MultiplierSM

The Retirement Plus MultiplierSM Annuity is a fixed index annuity designed to help you prepare for your financial future and provides greater earnings potential than fixed rate options. Your annuity’s growth is tax-deferred, which means you do not pay taxes on the interest earned until you make a withdrawal.

You may elect to allocate your funds among several index crediting strategies and a fixed rate option. Index crediting strategies will grow along with the market, and credits are applied to your contract’s accumulation value subject to either a percentage cap or a participation rate.

Even when market performance drops, your money is protected. The guaranteed interest rate is 0%, so if the market stays flat or goes down, your credited gains are protected from loss.

  • Participate in potential market index growth
  • Protect accumulation value from market loss
  • Provide retirement income for your lifetime
  • Choose from a variety of options to best fit your financial needs

Riders

GROWTH BENEFIT
Accumulation Buy Up Rider

If accumulation is your main priority, this rider increases the growth potential of your annuity’s index accounts. When you purchase this rider, the participation and cap rates are increased so your annuity benefits from more of the market’s positive performance. You will still have the benefit of a 0% guaranteed minimum crediting rate.

  • Potential for better growth with higher index account caps and participation rates
  • 0% floor protects

INCOME MULTIPLIER
Guaranteed Lifetime Withdrawal Rider (GLWB)

Maximize the potential income from your annuity with this rider. This optional benefit will enhance your potential income, which you’ll never outlive, even after all your accumulation value has been withdrawn.

  • Generate a stream of income for life
  • Income enhancing bonus of up to 100% of your initial investment

S&P 500 Index

Comprised of 500 major companies representing leading industries of the U.S. economy.

  • One-year crediting period with participation rate
  • One-year crediting period with cap

Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population.

  • One-year crediting period with participation rate
  • Three-year crediting period with participation rate

To learn more about this index, see the Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC page.

This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed index annuities, or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Motif Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Motif Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Motif Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The Goldman Sachs Motif Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. “Motif” is a registered trademark of Motif Investing, Inc. (“Motif Investing”) and has been licensed for use by Motif Capital Management Inc. (“Motif Capital”) and sublicensed for certain purposes by Goldman Sachs. The Index and the FIA is not sponsored, endorsed, sold or promoted by Motif Investing, Motif Capital or their respective affiliates or make any representation regarding the advisability of investing in the Index or the FIA. Motif Capital’s only relationship to Goldman Sachs with respect to the Index is the licensing of the Motif trademark.

MOTIF CAPITAL DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. MOTIF CAPITAL SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. MOTIF CAPITAL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY INVESTOR’S IN THE INDEX OR FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL MOTIF CAPITAL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.

  • S&P 500®/Goldman Sachs Motif Aging of America Dynamic Balance Index
  • Effective 09/04/2018

    Interest Rate Guarantees
    1st Year Rate 1.60%
    Current Rate Guarantee 1 Yr
    S&P 500® Goldman Sachs Motif

    Point-to-Point Participation Rate
    1 Yr: 25.00% With Buy-Up Rider:
    1 Yr: 51.25%
    NA NA
    1 Yr: 58.50% With Buy-Up Rider:
    1 Yr: 117.00%
    3 Yr: 100.00% With Buy-Up Rider:
    3 Yr: 200.00%
    Point-to-Point Cap
    1 Yr: 2.50% With Buy-Up-Rider:
    1 Yr: 5.60%
    NA NA
    Income Multiplier Rider All Surrender Periods: 1.50%

    Growth Benefit
    5 Yr Surrender Period: 1.90%
    7 Yr Surrender Period: 1.75%
    10 Yr Surrender Period: 1.60%