Accumulation FIA

Stop Asking Clients to Predict the Market. Let Them See the Results First.

Start with a 1-Year Point-to-Point Strategy. After a positive first year, the client can lock in gains or extend into a longer strategy with the higher multi-year participation rate applied back to the original segment.

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1-Year Start Begin with a traditional annual point-to-point strategy

Positive Year? Make the next decision after actual performance is known

Lock It In Keep credited interest and begin a new annual strategy

Or Extend Move into a longer strategy at the higher participation rate

The Difference Is Flexibility

Decide After Seeing the Results — Not Before.

Traditional accumulation-focused FIAs can force the long-term strategy decision on day one. Athos changes that conversation. Your client begins with a traditional 1-Year Point-to-Point Strategy and evaluates what to do next after the first contract year.

If the first year produces a positive return, the client can either keep the credited interest and begin again, or extend the original strategy into a longer multi-year term.

Option 1: Lock In Their Gains Keep the credited interest, begin a new annual strategy and retain the flexibility to evaluate new opportunities each year.

Option 2: Extend the Strategy Extend into a longer multi-year term and apply the higher multi-year participation rate retroactively to the beginning of the original segment.

How Athos Works

A Different Kind of FIA Decision

The core Athos story is simple: start annually, review actual performance, then choose the path that fits the client.

Day 1: Client Chooses a 1-Year Point-to-Point Strategy Maintain flexibility without making a long-term commitment before the market outcome is known.

End of Contract Year 1 Review the strategy’s performance.

Positive Return?

Option 1

Lock In Their Gains

Keep the credited interest
Begin a new annual strategy
Evaluate new opportunities each year
Maintain annual flexibility

Begin a New Annual Term

Option 2

Extend the Strategy

Continue pursuing additional growth potential
Extend into a longer multi-year term
Receive the higher multi-year participation rate
Apply that rate retroactively to Day 1

Higher Participation Rate Applied to the Entire Original Segment

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More Reasons to Take a Look

Built for the Accumulation Conversation

Athos pairs the first-year decision framework with additional accumulation-focused features.

90%

Daily High-Water Mark

During the extended strategy, 90% of the highest contract anniversary value achieved becomes the protected value for the remainder of the strategy. Clients can pursue additional growth while protecting much of what they have already earned.

∞

Uncapped Growth Potential

Choose from innovative S&P and Nasdaq-based volatility-controlled index options designed for uncapped growth potential. Participation rates determine how much of the index return the client receives.

Optional Premium Bonus

Clients may elect an optional premium bonus to increase their starting accumulation value, putting more dollars to work from day one and creating greater long-term accumulation potential.

More Than Product Access EverVest helps you understand the Athos story, design the case and move the opportunity forward.

Product training and sales concepts

Personalized illustrations and case design

Direct access to annuity specialists

Take the Next Step

Get the Marketing Kit & Sample Illustration

Request the approved Athos marketing materials, product information and a sample illustration. The EverVest team can also help you position the concept and work through a specific case.

Want to Talk It Through?

Speak directly with an EverVest annuity specialist, or start the contracting process through SureLC.

Call 952-542-6300 Get Contracted

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