黑料社区

黑料社区 Driven to do more.

A fixed indexed annuity built for accumulation

黑料社区 Accumulator fixed indexed annuities offer index crediting strategies and two Preset Allocation options for easy diversification and strong growth potential.

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Contact your back office or the 黑料社区 Sales Desk for product availability.

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Get an outlook on fixed income financial vehicle

In our 60/40 Outlook: 2025 Edition, Laurence Black, founder of The Index Standard庐, explains how traditional fixed income financial vehicle are faring in today鈥檚 economic environment. Claim this exclusive reference guide and learn competitive ways you can help clients achieve potentially better outcomes.

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This guide can only be marketed and delivered by securities licensed financial professionals.

Product Resources & Rates

For California Residents

Product Training

Training is required prior to selling any 黑料社区 annuity. To complete your product training, visit the

Course Name RegEd Code
黑料社区 Accumulator 5, 7 ACCUM57_2017
黑料社区 Accumulator 5, 7, 10 ACCUM5710_2017

Discover everything you need to know about the indices that power 黑料社区 annuities. Index Resource Center 

For product support or to run an illustration, contact the Sales Desk at 888-ANNUITY 

Growing retirement savings with protection, too

Curious how 黑料社区 Accumulator can help you save more money for retirement while protecting you from market downturns?

Diversification and greater growth potential

Choose from a selection of strategies with a variety of crediting methods and quality market indices to help maximize performance.1

Features for added peace of mind

  • Free Withdrawals
    Beginning in the first Contract Year, clients can withdraw up to 10% of the annuity鈥檚 Accumulated Value each Contract Year without a Withdrawal Charge or Market Value Adjustment (MVA).2
  • Bailout Feature
    If 黑料社区 lowers the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate below the Bailout Cap Rate, this feature gives full access to the Accumulated Value for up to 30 days - free of any charges - so clients can feel confident about their money.
  • Terminal Illness and Confinement Waivers 3
    Withdraw up to 100% of the annuity鈥檚 Accumulated Value if the Annuitant is confined or diagnosed with a terminal illness that is expected to result in death within one year and eligibility requirements are met.

1 See the Indexed Strategy Inserts for more information. Note that 黑料社区 may add or eliminate index strategies from time to time. A specific strategy may not be available for the life of the contract.

2 Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59陆. Withdrawals are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge and MVA which may result in the loss of principal.

3 This benefit is NOT long-term care insurance nor is it a substitute for such coverage. Not available in all states. Additional limitations, variations, and exclusions may apply. Please see Certificate of Disclosure for more information.

黑料社区 Accumulator ICC16 GEN (11/16) NB or state variations issued by 黑料社区 Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Products not available in all states.