AG HorizonIndex®

AG HorizonIndex Annuity is a single-premium indexed deferred annuity with market value adjustment (MVA).

Key Benefits:

• 2 Products: AG HorizonIndex 9 and AG HorizonIndex 12
• Annuity Value at Death
• Three interest crediting strategies:
  • 2 Year Point-to-Point Account with Cap 
  • 1 Year Monthly Additive Account with Cap
  • Fixed Interest Account  
    • AG Horizon 9 provides 6 year initial fixed rate guarantee
    • AG Horizon 12 provides 9 year initial fixed rate guarantee
• Standard & Poor's 500 Composite Stock Index (which excludes dividends) is used in interest calculations for the 2 index-based accounts
• Premium bonus credited Day 1 of contract.  No vesting schedule!  No annuitization required!
• Withdrawal charge schedule:
  • AG Horizon 9: 10%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 2%, 0%
  • AG Horizon 12: 12%, 12%, 12%, 12%, 12%, 11%, 10%, 9%, 8%, 7%, 5%, 3%, 0%
• 10% free annual withdrawal after first year
• Free systematic withdrawal of interest allowed from fixed interest account
• Nonqualified: issued to age 85; $5,000 minimum
• Qualified: issued to age 85 (0-70 for IRAs); $5,000 minimum
• Extended care rider always included
• Contract Number 04367
• AG Lifetime Income Builder^SM optional living benefit riders now available

These specifications are not intended to be all-inclusive of product information. State variations may apply. Benefits under health policies are subject to the terms of the policy, including pre-existing conditions, limitations and exclusions. Consult the policy or contract for complete details.

FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC