Interest is credited to an index account partially based on the performance of an external index.

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Fixed index annuities offer lifetime income through periodic payments or a guaranteed lifetime withdrawal benefit rider, available at application for an additional cost.

​Fixed index annuities safeguard your contract value from market losses, whether your goal is asset growth or lifetime income. However, in years with little or no interest credited, rider costs—such as a guaranteed lifetime withdrawal benefit—may slightly reduce the contract value.