Dual Direction: If an index is down but within a buffer, these RILAs give you an equivalent positive return. If an index's return is positive, you get the return up to a cap. If your RILA has a 10% buffer and a 12% cap and an index return is negative 8%, you get an 8% return. If an index return is 15%, you get a 12% return. You absorb any loss in excess of the buffer. These RILAs are S&P 500-linked.