Using Crediting Strategies to Create a Guaranteed Floor

July 28, 2026

Planning Goal: Help clients select a crediting strategy that creates a guaranteed floor — while showing how interest is credited in flat, up or down markets.

Three Strategy Approach 

The Enhanced Choice Index Plus 7 gives producers a simple way to customize 100% of the client’s premium using two crediting strategies tied to the S&P 500® Dynamic Intraday TCA Index and the Fixed Account.

  1. Trigger Rate Strategy: Credits 9.50% when the index is flat or positive and 0% when the index is negative
  2. Trigger Rate Plus Strategy: Credits 7.00% when the index is flat or positive and 2.00% when the index is negative
  3. Fixed Account: Credits a 4.25% guaranteed interest rate
     

If the Index is flat or up, you can use these blended allocations to create a floor of your client’s choosing.

Table illustrating the relationship between guaranteed floors, allocation strategies, and credited rates

Clients choose their preferred balance of desired floor and upside rate potential, with downside protection if the index declines. Additional benefits include:

  • Clear expectations in flat or positive index scenarios
  • Flexible reallocation after each term
  • Straightforward structure for advisors to communicate
     

Client Profiles

This concept may be a good fit for clients who value clarity, choice and structure.

  • Controller Type: Prefers defined outcomes and a chosen guaranteed floor
  • Inflation-Aware Type: Seeks to address inflation while capturing upside
  • Planning-Focused Type: Wants to avoid early 0% crediting disruptions
  • Customizer Type: Values a more personalized approach
     

Keep the flyer handy for client conversations about guaranteed floors and growth potential.

Screenshot of a flyer explaining crediting strategies that can create a guaranteed floor within the Enhanced Choice Index Plus 7 annuity.

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