Educational Resources
Informed decisions start here.
Plain-language explanations of the terms and questions we hear most often.
Common Questions
Frequently asked.
Glossary
Key terms, explained.
- Cap Rate
- The maximum interest rate an indexed product may credit in a period, regardless of index performance.
- Participation Rate
- The percentage of an index's gain used to calculate credited interest.
- Surrender Period
- The years during which withdrawals above the free amount may incur surrender charges.
- Cost of Insurance
- The monthly charge in a life insurance policy that pays for the death benefit; generally increases with age.
- Income Rider
- An optional annuity feature, usually with an annual fee, that can provide guaranteed lifetime withdrawals.
- Policy Lapse
- When a life insurance policy terminates because its value cannot cover charges.
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