• Capital Guarantees with Flexibility: Choose from three guarantee levels to match your comfort with market fluctuations. These options ensure that your investment is safeguarded against market declines.
• Simplified Estate Planning: By naming beneficiaries, you can streamline the estate settlement process, ensuring quicker and more straightforward outcomes for your loved ones.
• Market Gain Opportunities: Every three years, you can reset your guarantee, allowing you to lock in market gains and increase the value passed on to your beneficiaries.
• Creditor Protection: In the event of bankruptcy or creditor claims, your investment may be shielded from seizure, offering an added layer of security.

You can customize these assurances for enhanced protection:

• Basic Protection: Guarantees 75% of your capital at maturity and 75% as a death benefit—ideal for long-term growth before retirement.
• Enhanced Protection: Offers 75% at maturity and 100% upon death, providing added estate security while retaining fundamental coverage.
• Optimal Protection: Guarantees 100% of your capital both at maturity and upon death—perfect for those seeking maximum protection against market declines.