Synergy Choice Income Rider Update to Benefit Base Bonus & Roll-Up Rate

Effective immediately, the standard benefit base bonus and roll-up rate for issued Synergy Choice™ Income contracts will be changing to 26% and 12% respectively.

Please note that this change will apply ONLY to applications submitted on or after 1/26/2026.

Applications submitted before 1/26/2026 will still have a benefit base bonus of 25% and a roll-up rate of 10%.

Additional Premium Bonus Special is BACK!

Effective January 15th on Charter Plus 10 & 14 increase of 2% premium bonus.

Charter Plus 10 (High Band)

> Premium Bonus 14%

> Cap Rate 6.00%

> Enhanced Premium Bonus 23% (.95% fee)

Charter Plus 14 (High Band)

> Premium Bonus 17%

> Cap Rate 6.50%

> Enhanced Premium Bonus 29% (.95% fee)

New Enhancements to EquiTrust Bridge

Effective January 1st, the following product changes apply:

- Minimum issue age lowered from 55 to 50

- On the LTC Rider, Bene$t Base roll-up increased from 2.00% to 3.00%

- On the LTC Rider, Coverage Ratios now apply to premiums received in years 1-5

- Wellness Credits now based on Bene$t Base instead of Net Amount at Risk (NAR)

S&P 500 P2P Cap Rate Changes

Effective February 1st, American Life has adjusted the cap rates on the S&P Annual Point-to-Point index crediting strategies on American Select (base product only) and MaxGrowth 10 (base product only) fixed indexed annuities. All other crediting rates are unchanged.

For American Select 7- and 10-year new business, the cap rates on the S&P 500 Annual Point-to-Point are now 9.50%.

For MaxGrowth 10 new business, the cap rate on the S&P 500 Annual Point-to-Point is now 10.50% in most states. (10% in ID and KY; 9.50% in TX and OH)

Allianz FIA Commission Increase

Effective with applications received on or after January 5th, base commissions on 222+, 222, 360, Allianz BeneBt Control+, Allianz BeneBt Control, Accumulation Advantage+, and Allianz Accumulation Advantage increased 25 bps for premium submitted in the first 18 months on options A, B, and C. Trail compensation for years 2+ is not impacted.