NEW APP Annuity Enhancements Effective 9/25/2023
Indices at a Glance
The three indices linked to the Indexed accounts include the S&P 500® Index, the CS Momentum Index, and the CS ESG Macro 5 Index.
These indices offer stable, risk-controlled ways to potentially accumulate value through the indices’ possible growth.
CS Momentum Index
The CS Momentum Index is a global multi-asset index that dynamically allocates across its components using a unique and flexible momentum-driven strategy with risk-adjusted weightings.
Access to the CS Momentum Index is exclusive to buyers of the APP annuity.
CS ESG Macro 5 Index
The CS ESG Macro 5 Index, a global multi-asset index, applies an innovative strategy that combines environment, social and governance (ESG) equity components with macro components, while a risk control mechanism targets a 5% index volatility.
Access to the CS ESG Macro 5 Index is exclusive to buyers of the APP annuity.
S&P 500® Index
The S&P 500® Index measures the stock performance of the 500 largest publicly-traded companies in the U.S. These companies represent the leading industries of the U.S. economy.
CS Momentum Index
The CS Momentum Index is a global multi-asset index that dynamically allocates across its components using a unique and flexible momentum-driven strategy with risk-adjusted weightings. The CS Momentum Index was designed to adapt to various market conditions and generate consistent returns over time.
The risk-monitored CS Momentum Index can create value for your annuity in all market types (rising, falling, or remaining the same) by taking long positions (buying) in components exhibiting the strongest trends and short positions (selling) in components with weaker trends.
Access to the CS Momentum Index is exclusive to buyers of the Accumulation Protector PlusSM Annuity.
The Index Has a 3-Step Rebalancing Process Built Upon Key Financial Concepts

CS Momentum Index Illustrative Statistics

CS ESG Macro 5 Index
The CS ESG Macro 5 Index, a global multi-asset index, applies an innovative strategy that combines environment, social and governance (ESG) equity components with macro components, while a risk control mechanism targets a 5% index volatility. The CS ESG Macro 5 Index uses a daily adjustment aimed at stabilizing performance and generating consistent returns over time.
With the ESG component, your annuity has exposure to a risk-weighted basket of four MSCI ESG Indices that focus on regional activities considered positive for the environment, society, that are not subject to controversy and that display the highest ESG scores as computed by MSCI.
The framework of the CS ESG Macro 5 Index uses diversification as an approach to create value for your annuity by seeking returns across various market environments while mitigating risk exposure.
Access to the CS ESG Macro 5 Index is exclusive to buyers of the Accumulation Protector PlusSM Annuity.

CS ESG Macro 5 Index Illustrative Statistics

The S&P 500® Index
The S&P 500® Index measures the stock performance of the 500 largest publicly-traded companies in the U.S. These companies represent the leading industries of the U.S. economy.
S&P 500® Index Illustrative Statistics
