MYGA 2, 3, 4 and 5 year options

Carrier Ratings:

• (A-) by AM Best
• (C+) by Weiss

Interest Rate:

• 2 Year Term:
  4.95% ($100,000+)
  4.75% ($25,000 - $99,999)
• 3 Year Term:
  4.95% ($100,000+)
  4.75% ($25,000 - $99,999)
• 4 Year Term:
  4.95% ($100,000+)
  4.75% ($25,000 - $99,999)
• 5 Year Term:
  5.20% ($100,000+)
  5.00% ($25,000 - $99,999)

Surrender Charges +/- MVA: 

• 2 Year: (% = 8, 7) 45 day window
• 3 Year: (% = 8, 7, 6) 45 day window
• 4 Year: (% = 8, 8, 7, 6) 45 day window
• 5 Year: (% = 8, 8, 7, 6, 5) 45 day window

Minimum Deposit: 

• $25,000
• $2,000,000 Maximum

Issue Age: 

• 0-95

Approved States: 

• AL, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NM, NC, OH, OK, PA, RI, TN, TX, VT, VA, WA, WV, WI, WY 

Free Withdrawal:

• 10% Free Withdrawal (cumulative to 20% max)

Death Benefits:

• Full Contract Value Death Benefit 

Waivers: 

• Nursing home 
• Terminal illness 

Commission:

• 2 Year:  
  1.20% (0-80)  
  0.50% (81-90)
  0.25% (91-95)
• 3 Year:  
  1.80% (0-80)
  0.85% (81-90)
  0.45% (91-95)
• 4 Year:
  1.80% (0-80)
  0.85% (81-90)
  0.45% (91-95) 
• 5 Year:
  2.50% (0-80)
  1.10% (81-90)
  0.45% (91-95)