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Choice Accumulation is an accumulation-based fixed index annuity that offers both upside potential and downside market protection. There is one fixed strategy and multiple index-based crediting strategies available that are linked to the performance of a specific index.
There is an optional Enhanced Death Benefit (EDB) that grows independently from the contract value, for an annual fee of 0.50%.1 The EDB grows by a guaranteed 7% of premium for up to 15 years, assuming no withdrawals. If the amount ends up being greater than the client’s contract value, their beneficiary receives the EDB value. If clients don’t elect the EDB option, the contract value will pass as the standard death benefit on to their beneficiary after passing.
One-Year Monthly Point-to-Point with Cap
One-Year Point-to-Point with Cap
One-Year Point-to-Point with Participation Rate
One-Year Point-to-Point with Performance Trigger
Two-Year Point-to-Point with Spread
One-Year Fixed Rate
Franklin US Index