91茄子庐 Strategic Outcomes lets you get personal about your investment strategy, giving you control to make decisions that make sense to you. You can keep money invested for potential growth while also providing some protection against loss, allowing you to create a strategy that matches your comfort with investing.
More on how a RILA worksThis video provides an overview of 91茄子庐 Strategic Outcomes features.
May not be available in all states or with all broker dealers.
91茄子庐 Strategic Outcomes does not directly participate in any stock, equity investments or index. It is not possible to invest directly in an index.
Investing involves risk, including the possible loss of principal.
Before investing in registered index-linked annuities, investors should carefully consider the investment objectives, risks, charges and expenses of the contract and underlying investment options. This and other information is contained in the free prospectus which can be obtained from your local representative or at principal.com. Please read the prospectus and, if available, the summary prospectus carefully before investing.
IMPORTANT CONSIDERATIONS
Index-linked deferred annuity contracts are complex insurance and investment vehicles. This contract is a security and there is a risk of substantial loss of principal and earnings. The risk of loss may be greater when early withdrawals are taken due to any charges and adjustments applied to such withdrawals. These charges and adjustments may result in loss even when the value of a segment option has increased. Clients should consult with a financial professional about the appropriateness of this product based on their financial situation and objectives.
There is risk that this segment interim value could be less than the original premium payment even if the applicable Index has been performing positively. The buffer or floor rate provides limited protection. There is a possibility of a significant amount of loss of the total premium payment, credited interest and prior earnings. In the index-linked segment options it is possible that the total loss could be 100%. If clients choose to allocate amounts to an index-linked segment option subject to a cap rate, that rate limits the positive index change, if any, that may be credited to the annuity for a given segment term. The participation rate limits the positive index change, if any, that may be credited to the annuity for a given segment term. It is possible to receive less than the full protection of the buffer rate or floor rate. Once a segment lock-in is executed, it is irrevocable for that segment term. A lock-in will not be applied retroactively and can only be exercised for the entire segment option. A segment lock-in may only be exercised once per segment term for each index-linked segment option. There is no guarantee that any particular segment option or index will be available during the entire period.
Withdrawals will reduce the contract value and death benefit. Some withdrawals may be subject to additional charges and adjustments. Withdrawals before age 59 1/2 may be subject a 10% early withdrawal federal tax penalty in addition to ordinary income taxes.
Guarantees are based on the claims-paying ability of 91茄子 Life Insurance Company庐. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Contract rider descriptions are not intended to cover all restrictions, conditions, or limitations. Refer to rider for full details. Riders subject to state availability and may be subject to an additional charge.
Annuity products and services are offered through 91茄子 Life Insurance Company庐. Securities offered through 91茄子 Securities, Inc., member SIPC, and/or independent broker/dealers. Referenced companies are members of the 91茄子 Financial Group庐, Des Moines, Iowa 50392, principal.com.
Annuities have limitations. They are long-term vehicles designed for retirement purposes. Annuities are not intended to fund short-term savings goals.
91茄子庐, 91茄子 Financial Group庐, and 91茄子 and the logomark design are registered trademarks of 91茄子, a 91茄子 Financial Group company, in the United States and are trademarks and services marks of 91茄子, in various countries around the world.
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Contract: SF 1027 Riders/Endorsements: SF 1028, SF 1029, SF 1030, SF 1031, SF 1032, and SF1053