WealthDefender™ Series
Amplified accumulation potential.
Principal protection.
Flexible access for the unexpected.
Ibexis WealthDefender™ series is for annuity policy form number ICC24_FIA_WG_0724.
See disclaimer for complete listing of forms. Not available in all states.
WealthDefender™ Series
Defend your wealth with options.
WealthDefender™ Bonus
Boost your premium. Accelerate your growth potential.
WealthDefender™ Bonus provides a strong foundation for growth by offering a competitive bonus, at no charge.
WealthDefender™ Bonus Plus
Maximize your premium. Accelerate your growth potential.
WealthDefender™ Bonus Plus provides robust growth potential, featuring our most powerful bonus, with a charge.
WealthDefender™
Live with certainty.
WealthDefender™ provides guaranteed index-linked participation rates for the entire withdrawal charge period—providing rate stability you can count on.
No matter which WealthDefender™ product you choose, you’ll benefit from opportunities for financial growth, access to your funds during critical moments, and added reassurance built into the products — at no charge.
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Allocate on your terms
With Ibexis WealthDefender™ Series, you can allocate your principal among the interest crediting strategies in your contract.
Indexed Strategies
Initial premium may be allocated to any of the five available Indexed Interest Strategies. Interest is credited at the end of the index term based on positive changes in an external index. Interest credits are subject to a Cap Rate or Participation Rate, which can be reset at the end of the Index Term. Interest can never be less than 0%.
Fixed Strategy
Initial premium may be allocated to the Fixed Interest Strategy and will earn a stated annual interest rate. Interest in the Fixed Interest Strategy is compounded and credited to the Fixed Interest Strategy Value daily. The Fixed Interest Strategy is offered in a 1-year index term.
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Flexible Access to Enhanced Value - when you need it
When the unexpected happens, Ibexis WealthDefender™ Series allows you access to your full contract value. Available after the first contract year:
Waiver for Activities of Daily Living (ADLs)
To be eligible, you must be unable to perform two out of six Activities of Daily Living (ADLs) for a minimum of 90 consecutive days.
Waiver for Nursing Home or Hospital Confinement
To qualify, you need to be confined to a qualified facility for 90 consecutive days.
Waiver for Terminal Illness
To be eligible, you must have a certified physician diagnose that you have 12 months or less to live.
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Additional peace of mind with the Bailout feature
The Ibexis WealthDefender™ Series offers enhanced protection with its Bailout provision. If the S&P 500® 1-Year Cap Rate falls below the Bailout Rate, you’ll have 30 days to withdraw your contract value without withdrawal charges or a Market Value Adjustment (MVA). Recapture applies for Premium Bonus products.
Ibexis’ WealthDefender™ Series offers crediting strategies based on the performance of the S&P 500®, as well as two cutting-edge, proprietary index options offered in partnership with Barclays and UBS.
The index, developed with UBS, provides uncapped exposure to the Nasdaq-100 Total Return™ Index, composed of the largest 100 non-financial stocks on the Nasdaq. It incorporates Nobel laureate Professor Robert F. Engle's research and aims to offer higher risk-adjusted returns for index-linked financial products.
The index, developed with Barclays, offers broad exposure to U.S. equities while stabilizing performance by incorporating commodities, gold, and longer-duration U.S. treasuries throughout economic cycles. It dynamically adjusts asset allocation based on macroeconomic conditions like growth and inflation.
Legacy Transfer
Transfer your wealth to loved ones.
At the end of your life, any named beneficiary will receive the value of your annuity in a lump sum payment. If you were already being paid out the value for a specific term, the beneficiary will receive the remainder of those payments. This feature generally eliminates the need for the annuity benefits to go through a lengthy, expensive probate process.
Tax Deferral
Only pay tax on cash-in-hand.
As a retirement product, annuities come with attractive tax benefits. Taxed are deferred on the interest you earn until you make a withdrawal or receive your first payment.
Free Partial Withdrawals
Access when you need it.
Should any situation arise where you need to withdraw early, you always have access to your account. Beginning in the second year of your contract, you may withdraw up to 10% of the previous year’s total accumulation value before incurring a “surrender charge”. Annuities are a long-term retirement product, so make sure to consider if you might need the money soon.