What is a Treasury-Linked Annuity (T-Link)?

Treasury-Linked Annuity (T-Link) combines the guarantees of a fixed annuity with the opportunity for growth – based on the U.S. Treasury Constant Maturity 5-year rate (5-year U.S. Treasury rate).

On the annuity anniversary, the Annuity company looks to see how the 5-year U.S. Treasury rate has changed since the purchase payment.

If the 5-year Treasury rate went up,you will receive the full percentage of the increase.

If the 5-year Treasury rate went down, you will still receive the guaranteed underlying rate.

Additions to the Treasury-Linked Annuity (T-Link) provide an alternative for fixed income investors who are concerned about a rising interest rate environment.

Key benefits include:

• Guaranteed1 5-year interest rate.

• You can earn additional interest based on increases in the 5-year U.S. Treasury rate.

• Underlying guaranteed rate protects against U.S. Treasury rate declines.

Additional payments into the T-Link annuity become its own sub-account. The additions will have their own 5-year guarantee period and will have a new 10-year surrender charge.