DISCLOSURES

This material is intended to provide educational information and is intended for agent use only.

Stated interest credits are not to be construed as guarantees or estimates of amounts paid in the future. Interest Rates and caps are subject to change at any time. Past performance is not indicative of future results. Guarantees are based on the financial strength and claims-paying ability of SILAC® Insurance Company.

SILAC® is licensed as SILAC Life Insurance Company in the state of California, license #6244-8.

Policy form numbers and product availability vary by state. In Idaho, policy form is ELCFIA-ID.

Policy forms #ICC19 MYGA, #MYGA19, #ICC19-ELCFIA, and #ELCFIA. Policies, benefits, and features are not available in all states and policy form numbers may vary by state.

SILAC® Fixed Indexed Annuities are products of the insurance industry and not guaranteed by any bank, nor insured my FDIC or NCUA/NCUSIF. Not a deposit. Not insured by a federal government agency. Withdrawal charges, bonus recovery, interest recovery & market value adjustment may apply to withdrawals made during the withdrawal charge period. Restrictions apply. May only be offered by a licensed insurance agent.

SILAC Secure Savings™ & Secure Savings™ Elite are products of the insurance industry and not guaranteed by any bank nor insured by FDIC or NCUA/NCUSIF. Secure Savings Elite death benefit pays cash surrender value; optional withdrawal benefits may be available for a reduction of the crediting rate. Interest rates are subject to change without notice. Not a deposit. Not insured by a federal government agency. Restrictions apply. Surrender charges and market value adjustment may apply to withdrawals made during the guarantee period. Policy must be surrendered within 30 days following the guarantee period or policy will automatically renew. May only be offered by a licensed insurance agent.

Barclays Atlas 5 Disclosures:

“Barclays Atlas 5” Point-to-Point with PR, Point-to-Point with Spread, Point-to-Point with Boost: The financial instrument is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Index and/or Index trade mark or the Index Price at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards the Issuer, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to investors and/or financial intermediaries of the financial instrument. Neither publication of the Index by Solactive AG nor the use of the Index or Index trade mark for the purpose of use in connection with the financial instrument constitutes a recommendation by Solactive AG to invest capital in said financial instrument nor does it in any way represent an assurance or opinion of Solactive AG with regard to any investment in this financial instrument.

Neither Barclays Bank PLC ("BB PLC") nor any of its affiliates (collectively 'Barclays') is the issuer or producer of the Fixed Indexed Annuities ("FIAs") and Barclays has no responsibilities, obligations or duties to investors in FIAs. The Barclays Atlas 5 (the 'Index'), together with any Barclays indices that are components of the Index is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by SILAC Insurance Company® as the issuer or producer of the FIAs (the ‘Issuer’).

Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the 'Index Sponsor') without regard to the Issuer or the FIAs or investors in the FIAs. Additionally, SILAC Insurance Company® as issuer or producer of the FIAs may for itself execute transaction(s) with Barclays in or relating to the Index in connection with the FIAs. Investors acquire the FIAs from SILAC Insurance Company® and investors neither acquire any interest in the Index, nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in the FIAs. The FIAs are not sponsored, endorsed, sold, or promoted by Barclays and Barclays makes no representation regarding the advisability of the FIAs or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Index or any data included therein.

S&P 500® Disclosures:

As of publication (Feb. 22, 2024), the Credit Suisse RavenPack AI Indices are planned to be rebranded as the S&P 500 RavenPack AI Indices effective as of March 27, 2024.  The S&P 500 RavenPack AI Indices are equivalent to the Credit Suisse RavenPack AI Indices, except that they will be calculated and administered by S&P Dow Jones Indices, LLC (“S&P DJI”) using S&P DJI’s proprietary inputs.  The launch of the S&P 500 RavenPack AI Indices remains subject to legal and compliance approval.

The "S&P 500®, S&P 500 Duo Swift Index, and S&P 500 RavenPack AI Index" (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by SILAC Insurance Company® (“SILAC”). S&P®,S&P 500®, US 500 and The 500 are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); RavenPack® and RavenPack AI are trademarks of RavenPack International S.L.U. (“RavenPack”), and these trademarks have been licensed for use by SPDJI and some have been sublicensed for certain purposes by SILAC. SILAC’s insurance products based on the Index(the “Products”) are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or RavenPack and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

It is not possible to invest directly in an index. Neither SPDJI nor RavenPack makes any representation or warranty, express or implied, to the owners of the Products or any member of the public regarding the advisability of investing insecurities generally or in the Products particularly or the ability of the Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. SPDJI and RavenPack’s only relationship to SILAC with respect to the Indices are the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors.  The Index is determined, composed, and calculated by S&P Dow Jones Indices without regard to SILAC or the Products. SPDJI and RavenPack have no obligation to take the needs of SILAC or the owners of the Products into consideration in determining, composing, or calculating the Index. SPDJI and RavenPack have no obligation or liability in connection with the administration, marketing, or trading of the Products. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisor, commodity pool operator, broker dealer, fiduciary, promoter (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency, or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency, or other asset, nor is it considered to be investment advice or commodity trading advice.  

NEITHER S&P DOWJONES INDICES NOR RAVENPACK GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.  S&P DOW JONES INDICES AND RAVENPACK SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.  S&P DOW JONES INDICES AND RAVENPACK MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY SILAC, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO.  WITHOUT LIMITING ANY OF THEFORE GOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES OR RAVENPACK 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.  S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND SILAC, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. 

Nasdaq Generations 5 Index™ Disclosures:

Nasdaq®, Nasdaq Generations 5 Index™, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by SILAC Insurance Company®. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. MerQube, Inc. calculates the Nasdaq Generations 5 Index on behalf of the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Salt Financial LLC licenses its truVol Risk Control Engine (RCE) and other methodologies (collectively, “Salt IP”) to the Corporations as a contributor to the Nasdaq Generations 5 Index. Salt Financial LLC and its affiliates, employees, partners, and vendors shall not be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the Salt IP even if advised of the possibility of such damages.