Confidently plot your course to retirement with Chartline.

Our fixed indexed annuity with an accumulation guarantee.

Upside potential meets principal protection.

A fixed indexed annuity (FIA) is designed to protect your principal while offering the potential to earn interest based on the performance of a market index, like the S&P 500®. If the index goes down, your contract value is protected from market losses because your money is not directly invested in stocks or the index itself.

CHARTLINE Brochure

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Fixed indexed annuity 101.

See a hypothetical example of how Chartline protects your retirement savings while providing an opportunity to earn interest through strategies linked to a market index.

When the Index is Up

Interest is credited to your contract value and protected from any future index declines.

When the Index is Down

Even when the market falls, the interest already credited to your annuity stays secure. Your contract value is not subject to losses during negative market periods.

Choices with
Chartline.

Allocate your premium among a lineup of Model Portfolios, index strategies, and a fixed strategy to customize your accumulation strategy.

Model Portfolios

Model Portfolios may be elected to diversify premium among multiple strategies. Funds may be reallocated in or out of a Model Portfolio at the end of each crediting term. Funds allocated to a Model Portfolio will automatically rebalance on each contract anniversary based on the initial model allocation percentages.

Global Diversified Balance

15% S&P 500 with Cap
15% Nasdaq-100 with Cap
15% Dow Jones Industrial Average with Cap
20% STOXX Europe 600 with Cap
15% S&P 500 Daily Risk Control
15% with Participation Rate
20% NYSE Bonds and Commodities with Participation Rate

American Benchmark Collection

40% S&P 500 with Cap
30% Nasdaq-100 with Cap
30% Dow Jones Industrial Average with Cap

Cap Amplifier

50% S&P 500 with Cap
30% S&P 500 Daily Risk Control
15% with Participation Rate
20% NYSE Bonds and Commodities with Participation Rate

Individual Strategies

In addition to Model Portfolios, you may elect to allocate premium to individual strategies. These allocations can be used in conjunction with or without Model Portfolios. The total sum of allocations between Model Portfolios and individual strategies must equal 100%.

1-Year S&P 500 with Cap
1-Year Nasdaq-100 with Cap
1-Year Dow Jones Industrial Average with Cap
1-Year STOXX Europe 600 with Cap
1-Year S&P 500 Daily Risk Control 15% with Participation Rate
1-Year NYSE Bonds and Commodities with Participation Rate
1-Year Fixed Strategy

Catch up if
you’re behind.

Enjoy guaranteed accumulation at no cost.

Chartline includes a minimum interest guarantee that secures a minimum level of accumulation at the end of the withdrawal charge period.

Minimum Interest Guarantee

With the Minimum Interest Guarantee feature, Chartline offers something that many index annuities do not: guaranteed accumulation. At the end of the withdrawal charge period, if the contract value is less than the benefit base, the contract value will be automatically increased to the value of the benefit base.

Benefits of a
fixed index annuity.

Funds Protection

Premium allocations are not directly invested in any stocks or indices, so the principal remains fully protected from any downside market risk.

Tax Deferral

Interest earnings grow on a tax-deferred basis, meaning funds aren’t taxable until they’re withdrawn or distributed from the annuity.¹

Interest Growth

Interest is credited based on the performance of underlying indices, allowing for upside potential with no downside risk.

Liquidity

After the first contract anniversary, 10% of the contract value is available each year for withdrawal free of withdrawal charges or Market Value Adjustment (MVA).

Income

After the first contract anniversary, you may elect to convert the contract value to an income stream that’s guaranteed to last a lifetime.

Death Benefit

The annuity’s full contract value can be passed along to a beneficiary and avoid the time-consuming probate process.

RMD Friendly

All charges are waived on withdrawals in a contract year that do not exceed minimum distributions required by the IRS.

Minimum Interest

At the end of the withdrawal charge period, if the contract value is less than the benefit base, the contract value will be automatically increased.

¹ Withdrawal of taxable amounts are subject to ordinary income tax. Withdrawals made before age 59 ½ may also be subject to a 10% federal income tax penalty. The IRS requires owners of IRAs to take a required minimum distribution (RMD) each year once the owner reaches age 72. The annual deadline for taking an RMD is December 31. Withdrawals requested in accordance with Required Minimum Distribution (RMD) requirements will generally be free of withdrawal charges and a market value adjustment (MVA). Amounts greater than the RMD, may be subject to withdrawal charges and MVA. If the Free Withdrawal Rider is elected, RMDs may be subject to withdrawal charges and MVA if taken in excess of the free amount. Refer to the contract for details regarding withdrawals, the application of fees, MVA, and cost of the Free Withdrawal Rider.