CapLock^™ Fixed Indexed Annuity

Your cap. Your term. Locked.

CapLock combines the potential for index-linked growth with the principal protection of a fixed annuity. For the guaranteed cap rate strategies, the cap rate is declared once at policy issue and remains locked for the full 5- or 7-year surrender charge period.

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Rates Effective April 28, 2026

Current Rate Snapshot

S&P 500 Annual Point-to-Point w/ Cap Rate Guarantee 8.25% 5-Year and 7-Year

Fixed Rate 3.50%

Minimum Premium $20,000

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Available Terms5 or 7 Years

Issue AgesUp to 89 / 84

Free Withdrawals10% After Year 1

Minimum Withdrawal$250

The CapLock Difference

A Cap You Can Count On

For the S&P 500, Nasdaq-100, and Russell 2000 Annual Point-to-Point with Cap Rate Guarantee strategies, the cap rate is declared once at policy issue and remains locked for the full surrender charge period selected.

No Annual Cap Surprises

Guaranteed cap rate strategies are designed so the declared cap rate does not reset annually during the selected surrender charge period.

Principal Protection

If the index return is negative, no interest is credited for that year, but principal does not decline due to market performance.

Market-Linked Growth Potential

Interest, if any, is credited annually based on index performance, excluding dividends, and subject to the applicable cap or participation rate.

Current CapLock Rates

5-Year and 7-Year Options

Rates are for new applications only and are subject to change.

Guaranteed Cap Rates

S&P 500 Annual PTP w/ Cap Rate Guarantee8.25% / 8.25%

Nasdaq-100 Annual PTP w/ Cap Rate Guarantee7.50% / 7.75%

Russell 2000 Annual PTP w/ Cap Rate Guarantee7.50% / 7.75%

Additional Cap Rates

S&P 500 Annual PTP w/ Cap Rate8.25% / 8.50%

Nasdaq-100 Annual PTP w/ Cap Rate8.25% / 8.50%

Russell 2000 Annual PTP w/ Cap Rate8.25% / 8.50%

S&P 500 Monthly Average w/ Cap Rate5.00% / 5.00%

Participation Rates

S&P 500 Annual PTP w/ Par Rate45% / 50%

S&P 500 2-Year PTP w/ Par Rate55% / 60%

S&P 500 DRC 5% Excess Return Annual PTP140% / 140%

S&P 500 DRC 10% Excess Return Annual PTP70% / 70%

Fixed Rate

5-Year3.50%

7-Year3.50%

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Accessing Funds

Client-Friendly Access Features

Beginning after the first contract year, clients may withdraw up to 10% of account value, based on the most recent contract anniversary, without surrender charges or MVA. RMDs from qualified contracts are also available after the first contract year without surrender charges or MVA, even if they exceed 10%.

Included waivers, where approved:

Nursing Home Confinement Waiver and Terminal Illness Waiver are included at no additional charge and may provide access to funds after year one, subject to contract terms.

Surrender Charge Schedule

Year 19% / 9%

Year 28% / 8%

Year 37% / 7%

Year 46% / 6%

Year 55% / 5%

Year 6— / 4%

Year 7— / 3%

California versions are non-MVA and surrender charges may vary by state.

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Have a CapLock Case in Mind?

Send over the basics and our team can help you review the 5-year and 7-year options, current rates, available strategies, and case fit.

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Product Resources

Download approved CapLock FIA materials below.

Client Rate Sheet → Agent Rate Sheet & Comp → Product Brochure → Product Spec Sheet →

Product features, options, form numbers, and availability may vary by state. Rates are subject to change.

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