A++ (superior) Rated MYGA Carrier

 Carrier Ratings: 

• (A++) by AM Best 
• (AA) by Standard & Poor's 
• (Aa3) by Moody's
• (B-) by Weiss
• (97) Comdex

5 Year Interest Rate Breakdown

• 5.15% ($100,000+)
• 4.80% ($25,000 -$99,999)

Guaranteed Period: 

• 5 Years:

Surrender Charges:  

• 5 Year with MVA -  8% 8% 7% 6% 5% 0% thereafter

Issue Age: 

• 0-89 (qualified); 
• 0-89 (non-qualified); 
• 0-75 (inherited IRA); 
• 0-75 (inherited  non-qualified) 

Premiums:

• $25,000 - $1,000,000
• $500,000 max age 86+

States NOT approved in: 

• NY, NJ

Free Withdrawals: 

• 10% Free Withdrawals 

Death Benefits: 

• Full Death Benefit 

Waivers

• Extended Care & Terminal Illness

Commission: 

• 2.50% (0-80) | 1.50% (81-89)
  

 Carrier Ratings: 

• (A++) by AM Best 
• (A+) by Standard & Poor's 
• (Aa3) by Moody's
• (B-) by Weiss
• (94) Comdex

7 Year Interest Rate Breakdown

• 5.25% ($100,000+)
• 4.90% ($25,000 -$99,999)

Guaranteed Period: 

• 7  Years:

Surrender Charges:  

• 7 Year with MVA -  8%, 8%, 7%, 6%, 5%, 4%, 3%, 0% thereafter

Issue Age: 

• 0-88 (qualified); 
• 0-88 (non-qualified); 
• 0-75 (inherited IRA); 
• 0-75 (inherited  non-qualified) 

Premiums:

• $25,000 - $1,000,000

States NOT approved in: 

• NY, NJ

Free Withdrawals: 

• 10% Free Withdrawals 

Death Benefits: 

• Full Death Benefit 

Waivers

• Extended Care & Terminal Illness

Commission: 

• 3.50% (0-80)
  1.50% (81-85)

Product Fact Sheet

• SecureGain 7
  

 Carrier Ratings: 

• (A++) by AM Best 
• (A+) by Standard & Poor's 
• (Aa3) by Moody's
• (B-) by Weiss
• (94) Comdex

3 Year Interest Rate Breakdown

• 4.10% ($100,000+)
• 3.75% ($10,000 -$99,999)
  Rates are LOWER in AK and UT

Guaranteed Period: 

• 3 Years:

RECURRING Surrender Charges:  

• MVA -  8%, 8%, 7%, (30 day window)
  Withdrawal charges not applied to surrenders in last 30 days of the initial  3 year term  

Issue Age: 

• 0-90 (qualified)
• 0-90 (non-qualified)
• 0-75 (inherited IRA)
• 0-75 (inherited non-qualified)

Premiums:

• $25,000 - $1,000,000
• $25,000 - $500,000 ages 86+

States NOT approved in: 

• NY, NJ 

Free Withdrawals: 

• 10% Free Withdrawals 

Death Benefits: 

• Full Death Benefit 

Waivers

• Extended Care & Terminal Illness

Commission: 

• 2.00% (0-80)
  1.50% (81-85)
  0.50% (86-89)