Our solutions are based on an investment-linked insurance policy, which allow Participants to construct a portfolio of performance benchmarks linked to the closing values of mutual funds/Exchange Traded Funds, or stock market/bond indices to achieve stable growth for the medium to long term. Please see plan documents for further details.

¹ For regular contribution plans, all contributions must be made within the grace period to qualify for the principal protection. Policy Loans, Partial Surrenders, and Premium Decreases will void the principal protection benefit for all plans. The Company utilizes a diversified strategy to derive its principal protection. The investment instruments utilized include, but are not limited to, Structured Notes issued by A-Rated Institutions, Covered Call Strategies, ETF Hedged Covered Calls, and Enhanced Dividend Income Managed Accounts. Structured Notes are issued by Third Party Financial Institutions Rated A or higher by Standard & Poors, Moody’s and/or Fitch. The Participant is facing Issuer/Counterparty and Investment Risk of these Institutions. Insolvency of the Issuer/Counterparty could lead to a partial or total loss of the capital invested by the Participant. Please see plan documents for further details.