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benefit will enhance your potential income, which you’ll never outlive, even after all your accumulation value has been withdrawn.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 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
The Retirement Plus Multiplier SM Annuity Update Effective June 24, 2020, the Goldman Sachs Motif Aging of America Dynamic Balance Index will be renamed the Goldman Sachs Aging of America Dynamic Balance Index (the “Index”). The name “Motif” will be removed since the Index’s current underlying equity index, the Motif Capital Aging of America Index, will be replaced with the Solactive Aging of America TR Index effective June 24, 2020. Solactive AG, the firm that currently acts as the calculation agent of the Index and the Motif Capital Aging of America Index, will expand its role to become the index provider for the Solactive Aging of America TR Index.
The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. 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 indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs 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 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.

S&P 500®/Goldman Sachs Aging ofAmerica Dynamic Balance Index Rates

Effective 10/06/2020
Fixed Rate
1st Year Rate2.00%
Current Rate Guarantee1 Yr
Goldman Sachs
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1-year with point-to-point participation rate75.00%125.00%75.00%
3-year with point-to-point participation rate140.00% 200.00% 140.00%
S&P 500®
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1-year with point-to-point participation rate28.00%40.00%28.00%
1-year with point-to-point caps4.00%6.00%4.00%
Rider Fees
Surrender Periods5 Year7 Year 10 Year
Growth Rider1.25%1.25%1.25%
Income Multiplier0.95% 0.95% 0.95%
The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. 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 indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs 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 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.
As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in a long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.