Retirement Plus MultiplierSM
The Retirement Plus MultiplierSM Annuity is a fixed indexed annuity designed to help you prepare for your financial future by providing 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.
- 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
- Potential for better growth with higher index account caps and participation rates
INCOME MULTIPLIER
- Generate a stream of income for life
- Income enhancing bonus of up to 100% of your initial investment
S&P 500™ Index
- One-year crediting period with participation rate
- One-year crediting period with cap
- Two-year crediting period with participation rate
Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC
- One-year crediting period with participation rate
- Two-year crediting period with participation rate
- Three-year crediting period with participation rate
Retirement Plus MultiplierSM Annuity Rates
Effective 03/15/2021
| Fixed Rate |
|---|
| 1st Year Rate | 2.00% | |||
| Current Rate Guarantee | 1 Yr | |||
| Goldman Sachs Aging of America Dynamic Balance Index |
|---|
| Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier | |
| 1-year with point-to-point participation rate | 75.00% | 125.00% | 75.00% | |
| 2-year with point-to-point participation rate* | 100% | 160% | 100% | |
| 3-year with point-to-point participation rate | 140.00% | 200.00% | 140.00% | |
| S&P 500® |
|---|
| Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier | |
| 1-year with point-to-point participation rate | 28.00% | 40.00% | 28.00% | |
| 1-year with point-to-point caps | 4.00% | 6.00% | 4.00% | |
| 2-year with point-to-point participation rate* | 36% | 56% | 36% | |
| Rider Fees |
|---|
| Surrender Periods | 5 Year | 7 Year | 10 Year | |
| Growth Rider | 1.25% | 1.25% | 1.25% | |
| Income Multiplier | 0.95% | 0.95% | 0.95% | |
*2-year strategies are not available in the state of California.
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.
