# The Security Benefit Foundations Annuity Frequently Asked Questions

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1 The Security Benefit Foundations Annuity Frequently Asked Questions This document is intended to assist consumers with the Foundations Annuity by providing additional guidance on the product and its features /11/21

4 For example, assume that (i) JoAnn's contract is issued on February 1, 2011, (ii) the Annual Point to Point Index Account Value on February 1, 2011 (the beginning of the contract year) was \$100,000, (iii) no withdrawals were made during the contract year, (iv) the Cap is 2.5%, (v) the value of the S&P 500 index on February 1, 2011 was 1,000, and (vi) the value of the S&P 500 index on February 1, 2012 (the end of the contract year) was 1,100, then: Difference in S&P 500 index value = S&P 500 index ending value - S&P 500 index beginning value 100 = Because the difference is positive, we determine the percentage change as follows: Percentage change in S&P 500 index value = Difference in S&P 500 index value S&P 500 index beginning value 10% = We then compare the percentage change to the Cap and use the lower of the two. Since the 2.50% Cap is lower than the 10% change in the S&P 500 index value, the index interest rate for the Annual Point to Point Index Account for the year would be 2.50% and the index interest would be \$2,500. Thus, JoAnn's ending Annual Point to Point Index Account Value would be \$102,500. This example is only to show how the Annual Point to Point Index Account interest is computed and does not reflect any particular Account Value or the interest that will be applied to any Account Value. How is the Monthly Sum Index Account interest computed? For the Monthly Sum Index Account, we compute the interest rate based upon the sum of the monthly changes in the S&P 500 index not including dividends over the contract year. For each month of the contract year, the closing index value on the first day of the contract month is the beginning value and the closing index value on the same day of the next month (if that day does not occur for the month, then the last day of the month is used) is the ending value. For each month, the previous month's ending value is the current month's beginning value. Accordingly, the ending value for one month will be the beginning value for the next month. If the S&P 500 index value is not available for any day, we use the closing index value on the previous available day. We compute the difference in the beginning and ending value for each month of the contract year by subtracting the beginning values from the ending values. Next, we divide that difference by the month's beginning value to determine the percentage change in the S&P 500 index for each month. If the difference is positive, we compare the percentage change to the Monthly Cap and use the lower of the monthly percentage change or the Monthly Cap as the monthly change. If the difference is negative, no Monthly Cap applies as a floor to limit the negative difference. Thus, negative changes may have a greater impact on the interest rate computation than positive changes. We then add together the capped monthly changes for the contract year. If the sum is positive, it is used as the interest rate. If the sum is negative, the interest rate is 0%. The Monthly Cap is the maximum monthly change that is used in computing the sum of the monthly changes. At the time we issue your contract, we set the initial Monthly Cap and the guaranteed Monthly Cap and they are shown in your contract. The current guaranteed minimum Monthly Cap is 1%. Each contract year we may change the Monthly Cap, but it will never be less than the guaranteed Monthly Cap. 3 of /11/21

5 For example, assume that (i) Bill's contract was issued on November 3, 2014, (ii) the Monthly Sum Index Account Value on November 3, 2014 (the beginning of the contract year) was \$100,000, (iii) no withdrawals were made during the contract year, (iv) the Monthly Cap is 1.50%, and (v) the monthly changes are: Index Date Index Value 11/3/ Monthly % Difference Apply Monthly Cap Capped Monthly Change % 12/3/ % 1.50% 1.50% 1/3/ % % 2/3/ % 1.50% 1.50% 3/3/ % % 4/3/ % % [EXAMPLE ONLY] 5/3/ % % 6/3/ % 1.50% 1.50% 7/3/ % 1.50% 1.50% 8/3/ % % 9/3/ % % 10/3/ % 1.50% 1.50% 11/3/ % % Sum of Capped Monthly Changes 1.83% For each month, the ending value is compared to the beginning value. The monthly change percentage is then determined. For example, for the month between 1/3/2015 and 2/3/2015: Difference in S&P 500 index value = S&P 500 index ending value - S&P 500 index beginning value = Because the difference is positive, we determine the percentage change as follows: Percentage change in S&P 500 index value = Difference in S&P 500 index value S&P 500 index beginning value 2.67% = Because the monthly change percentage is positive, we then compare it to the Monthly Cap and use the lower of the two as the capped monthly change. For example, because the 2.67% for the month between 1/3/2015 and 2/3/2015 is greater than 1.50%, the 1.50% Monthly Cap is used for that month. The sum of all the monthly change percentages, 1.83%, is the index interest rate for the Monthly Sum Index Account and the index interest would be \$1,830. Thus, Bill's ending Monthly Sum Index Account Value would be \$101,830. This example is only to show how the Monthly Sum Index Account interest is computed and does not reflect any particular Account Value or the interest that might be applied to any Account Value. How is the Annual Average Index Account interest computed? For the Annual Average Index Account, we compute the interest rate based upon the average of the monthly ending values of the S&P 500 index not including dividends over the contract year. For each month of the contract year, the closing index value on the same day of the month (if that day does not occur for the month, then the last day of the month is used) as the contract anniversary is the ending value used for the computation. If the S&P 500 index value is not available for any day, we use the closing index value on the previous available day. 4 of /11/21

6 To determine the Index Interest Rate, we first compute the sum of the ending values for each month of the contract year. Next, we determine the average ending value by dividing that sum by the total number of ending values that were used to compute the sum. We then divide the average ending value by the beginning value of the contract year and subtract one to determine the average percentage change. If the average percentage change is positive, we compare it to the Cap for the Annual Average Index Account and use the lower of the average percentage change or the Cap for the Annual Average Index Account as the interest rate. If the average percentage change is negative, the interest rate is 0%. The Cap for the Annual Average Index Account is the maximum rate of interest that the Index Interest Rate may be for a contract year. At the time we issue your contract, we set the initial Cap and the guaranteed Cap for the Annual Average Index Account and they are shown in your contract. The current guaranteed minimum Cap for the Annual Average Index Account is 1%. Each contract year we may change the Cap for the Annual Average Index Account, but it will never be less than the guaranteed Cap. For example, assume that (i) Bill's contract was issued on November 3, 2014, (ii) the Annual Average Index Account Value on November 3, 2014 (the beginning of the contract year) was \$100,000, (iii) the S&P 500 index value on November 3, 2014 was , (iv) no withdrawals were made during the contract year, (v) the Cap for the Annual Average Index Account is 2.50%, and (vi) the monthly S&P 500 index values: Index Date Index Value 12/3/ /3/ /3/ /3/ /3/ /3/ /3/ /3/ /3/ /3/ /3/ /3/ Sum The sum of the ending values is first calculated. The sum is then divided by the total number of ending values used to compute the sum to determine the average ending value: Average ending S&P 500 index value = Sum of S&P 500 index ending value Number of S&P 500 index ending values used = The average ending value is then divided by the beginning value for the contract year to determine the average change in the index value: Average change in S&P 500 index value = Average ending S&P 500 index value S&P 500 index beginning value = One is subtracted from the total change to determine the average change percentage, or 4.45%. Because the average change percentage is positive, we then compare it to the Cap for the Annual Average Index Account and use the lower of the two as the index interest rate. Since the 2.50% Cap is 5 of /11/21

15 Standard & Poor s, S&P, S&P 500, and Standard & Poor s 500 are trademarks of Standard & Poor s and have been licensed for use by Security Benefi t Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s makes no representation regarding the advisability of investing in the Product. Guarantees provided by annuities are subject to the fi nancial strength of the issuing insurance company. Annuities are not FDIC or NCUA/NCUSIF insured; are not obligations or deposits of, and are not guaranteed or underwritten by any bank, savings and loan or credit union or its affi liates; are unrelated to and not a condition of the provision or term of any banking service or activity. This booklet of Frequently Asked Questions describes the Security Benefi t Foundations Annuity, a fi xed indexed fl exible premium deferred annuity contract issued by Security Benefi t Life Insurance Company (Security Benefi t). In most states, the Foundations Annuity is Form 5800 (11-10)). In Alaska, Indiana, Minnesota, Missouri, New Hampshire, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Utah and Washington the Form number is ICC (11-10). This booklet also describes the Security Benefi t Foundations Annuity Guaranteed Lifetime Withdrawal Benefi t Rider, which is Form 5821 (5-11) in most states. In Alaska, Indiana, Minnesota, Missouri, New Hampshire, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Utah and Washington the Form number is ICC (5-11). Security Benefi t is indirectly controlled by Guggenheim Partners, LLC. One Security Benefi t Place Topeka, KS t.com /11/21

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