• The Retirement Plus MultiplierSM Annuity

The Retirement Plus MultiplierSM was created as a resource for your financial planning. Opportunity for growth is increased with this fixed index annuity compared to fixed rate alternatives. Accrued revenue is tax-deferred, therefore taxes are not paid on interest until a withdrawal is made.

 

Funds may be allocated through a variety of diverse index crediting strategies and a fixed rate option. Increases to index crediting strategies happen simultaneous to market growth. Credits are applied to the contract’s accumulation value conditional to either a participation rate or percentage cap.

 

Your wealth is protected against the potential market downturn. The interest rate is guaranteed at 0%, which means if the market flatlines or dips negative, your credited dividends are protected against a loss.

  • Experience potential market index growth
  • Secure accumulation value from market loss
  • Generate retirement income for your lifetime
  • Select from a variety of crediting strategies and riders

 

Riders

GROWTH BENEFIT
Accumulation Buy Up Rider


If accumulation is the focus of your goal, this rider provides most potential for increase on indexed allotments. Your participation and cap rates are increased with a decision to include this rider—your annuity then achieves more increase in a thriving market.

  • More growth potential with higher index account caps and participation rates
  • Interest rate guaranteed at 0%

INCOME MULTIPLIER
Guaranteed Lifetime Withdrawal Rider (GLWB)

Maximize potential for your financial growth with the Income Multiplier rider. Choosing this option will heighten your income potential. You will not outlive the benefit of withdrawals, even after the total withdrawal of the accumulation value.

  • Access a lifetime of income allowance
  • Complement up to 100% of your initial investment with an income bonus

S&P 500™ Index
Comprised of 500 major companies representing leading industries of the U.S. economy.

  • One-year crediting period with participation rate
  • One-year crediting period with cap

Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC*
Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population.

  • One-year crediting period with participation rate
  • Three-year crediting period with participation rate

Find out more about Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

 

Brochures PDF Files 
Click a product to download: Retirement Plus Multiplier | Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

  • S&P 500®/Goldman Sachs Motif Aging ofAmerica Dynamic Balance Index
  • Effective 04/01/2020

    Fixed Rate
    1st Year Rate 2.00%
    Current Rate Guarantee 1 Yr
    Goldman Sachs Motif
    Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
    1-year with point-to-point participation rate 75.00% 125.00% 75.00%
    3-year with point-to-point participation rate 140.00% 200.00% 140.00%
    S&P 500®
    Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
    1-year with point-to-point participation rate 32.00% 47.00% 32.00%
    1-year with point-to-point caps 5.00% 7.50% 5.00%
    Rider Fees
    Surrender Periods 5 Year 7 Year 10 Year
    Growth Rider 1.25% 1.25% 1.25%
    Income Multiplier 0.95% 0.95% 0.95%

    This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed index annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Motif Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Motif Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Motif Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. The Goldman Sachs Motif Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. “Motif” is a registered trademark of Motif Investing, Inc. (“Motif Investing”) and has been licensed for use by Motif Capital Management Inc. (“Motif Capital”) and sublicensed for certain purposes by Goldman Sachs. The Index and the FIA is not sponsored, endorsed, sold or promoted by Motif Investing, Motif Capital or their respective affiliates or make any representation regarding the advisability of investing in the Index or the FIA. Motif Capital’s only relationship to Goldman Sachs with respect to the Index is the licensing of the Motif trademark. MOTIF CAPITAL DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. MOTIF CAPITAL SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. MOTIF CAPITAL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY INVESTOR’S IN THE INDEX OR FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL MOTIF CAPITAL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.