What makes Global Accumulator SMART?
Global Accumulator IUL offers policy owners the opportunity to purchase Buy-Up Add-Ons that can potentially increase their index credits by 110%.

Our SMART design helps protect the policy’s ability to withstand charges related to the Buy-Up strategies.

Global Accumulator is designed for individuals looking for accumulation potential, while maintaining flexibility in their approach.

SMART. Flexible. Accumulation.

Accumulation focused
5 Indexed Strategies and 1 fixed-term strategy help your clients customize their accumulation approach.
SMART
At any time, if the Buy-Up qualifications are not met, the Buy-Up Add-On Charge will not be assessed and no Buy-Up Add-On will be available.
Buy-Up Add Ons
Global Accumulator offers two Buy-Up indexed strategies:
• SMART Secure
• SMART Performance
Competitive cost
Most carriers who offer Buy-Ups or Multipliers do so at a higher cost—without the SMART design.
A better way to do Buy Ups
Buy-Ups or “Multipliers” are designed to deliver additional crediting opportunities to your clients, for a charge, potentially increasing the credits they receive by as much as 110%. However, some products have charge structures that can put the policy in jeopardy.

Our SMART design helps protect the policy's ability to withstand charges related to Buy-Up strategies while also being able to take advantage of their upside potential.
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SMART Buy-Up Secure Strategy
Provides an additional Add-On to the Account Value based on a percentage of the indexed interest credits, at the beginning of the sixth policy year. A Buy-Up Add-On Charge will be deducted at the beginning of each indexed interest crediting period. The Buy-Up Add-On Charge Rate is currently equal to the current Account Value Enhancement Rate.
accumulator buy up
SMART Buy-Up Performance Strategy
Provides an additional Add-On to the Account Value based on a percentage of the indexed interest credits. This Buy-Up Add-On is available when the Account Value, less any outstanding policy loans, exceeds a stated funding percentage of the policy face amount. A Buy-Up Add-On Charge will be deducted at the beginning of each indexed interest crediting period.
SMART Buy-Up Secure Strategy
SMART Buy-Up Secure provides a 25% Add-On to any indexed interest credit received. For example, with SMART Buy-Up Secure, an indexed interest credit of $100 would receive an Add-On of $25, making the total credit $125. The charge is 1.25% of the initial segment value.

Why is it SMART?
The policy cannot participate in this strategy unless the Account Value Enhancement (currently 1.25%) has been applied in the prior year, which generally occurs following the fifth policy year.

 

Watch this video for an animated depiction of how SMART Buy-Up Secure Add-Ons are applied under different hypothetical index scenarios for a given year.

 

 

Watch this video for an animated depiction of how SMART Buy-Up Performance Add-Ons are applied under different hypothetical index scenarios for a given year.

 

SMART Buy-Up Performance Strategy
SMART Buy-Up Performance provides a 110% Add-On to any indexed interest credit received. For example, with SMART Buy-Up Performance, an indexed interest credit of $100 would receive an Add-On of $110, making the total credit $210. The charge is 5.25% of the initial segment value.

Why is it SMART?
This Buy-Up Add-On is only available when the Account Value, less any outstanding policy loans, exceeds a stated funding percentage of the policy face amount.
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