Extend
When gains are present at a contract anniversary, an indexed account can continue for another year. Participation or cap rates are set annually; index credits are applied when the account is reset.
Built to adapt
Extend or reset — each year.
Athos offers the growth potential of a multi-year crediting strategy with an innovative protection feature.
Reset
Positive index performance is credited and a new one-year segment begins with a new participation or cap rate. Once gains are credited, they are protected from future index declines.
Revisit the choice annually
The extend-or-reset default can be changed during the Reallocation Period following a contract anniversary. The Reallocation Period is currently 15 days and is subject to change.
Protection that tracks the climb.
Protected Account Value
Conceptual visual only; not actual index performance or a projection of returns.
Built-in protection and control
A 90% high-water mark.
The Protected Account Value is equal to 90% of the highest Daily Account Value on any contract anniversary during the current segment. If the Daily Account Value is less than or equal to the Protected Account Value on an anniversary, the account automatically resets to the Protected Account Value.
Daily trackingDaily Account Value includes realized and unrealized index credits.
Optional up-front bonusAdded to premium and eligible to earn interest credits; bonus and associated earnings vest over time and are not immediately available for withdrawal.
Allocation choices
Three indices. One fixed account.
Contract value can be allocated among extendable indexed accounts linked to market indices and a fixed account. The contract does not directly participate in any stock, bond or equity investment.
S&P 500®
An indexed account linked to the widely followed gauge of large-cap U.S. equities.
S&P 500® Dynamic Intraday TCA Index
Uses an intraday risk-control mechanism with a target volatility of 15%.
Nasdaq-100 Volatility Control 15%™ Index
Targets 15% volatility and provides access to the Nasdaq-100® through the index methodology.
Fixed account
Earns interest daily at a rate set for one contract year. The guaranteed minimum fixed account interest rate is specified in the contract.
7% free partial withdrawals
After the first contract year, up to 7% of the Daily Accumulation Value as of the preceding contract anniversary can be withdrawn free of charges and penalties.
RMD-friendly access
Assuming no prior withdrawals, the annual RMD amount associated with the contract will be available without a surrender charge, MVA or recovery of an applicable non-vested premium bonus. Certain year-one restrictions apply.
Death benefit
The death benefit includes pro-rated growth from indexed accounts for the year in which death occurs. Contract terms determine whether Daily Account Value or Protected Account Value applies.
Withdrawals during the first contract year or above the free withdrawal amount may result in surrender charges, recovery of any applicable non-vested premium bonus, Market Value Adjustment and less interest credited. State variations apply.
Advisor support
Bring the case. Get practical help.
James Brose is an annuity wholesaler with Zaghorn LLC, supporting financial professionals who want responsive help evaluating and placing FIA business.
- Customized illustration support
- Case design help
- Contracting assistance
Through November 30, 2026
Compensation enhancement on eligible Athos FIA business
Contact James for complete details and eligibility.
Talk through an opportunity.
Choose the fastest way to connect.
Book a callIf your browser blocks email or calling apps, copy the contact detail instead.
Advisor Resources
A Tool for Your Client Conversations
Zaghorn advisors get access to our Financial Needs Assessment — a short, branded check-up clients complete in about five minutes. It profiles how a client balances market risk and scores their retirement readiness across four areas: foundation, income milestones, protection, and legacy. You get the conversation starters; the product talk comes after.
Open the Financial Needs AssessmentRuns in the client’s browser — no answers are stored or sent anywhere.
Start a conversation
Tell James what you’re working on.
Share a few details and your email app will open with a prefilled message to James.