Diversified Index Crediting Strategies

This FIA gives you access to multiple crediting strategies, including:

• S&P 500® ESG Index – for those seeking sustainability-aligned performance

• Goldman Sachs Xenith Index – built for consistent returns using daily risk management

• Janus SG Guidance Index – designed to capture market growth with downside control

Each strategy offers a unique combination of growth potential and volatility control.

Customizable Terms and Liquidity

Policyholders can withdraw up to 10% of their contract value annually after the first contract year without penalty. The annuity also includes options for guaranteed fixed interest and tailored contract terms, giving you added control over how your annuity performs.

Principal Protection With Tax-Deferred Growth

All growth in this annuity is tax-deferred, allowing your money to compound faster over time. Your principal is never at risk due to market declines, and your gains are locked in each contract year based on your selected crediting method.

Is the American Life FIA Right for You?

This annuity is a smart choice for:

• Individuals nearing retirement who want to protect their savings

• Investors seeking index-linked growth without market losses

• Anyone looking for multiple crediting strategies and contract flexibility

• Families interested in leaving a protected legacy to beneficiaries