3, 5, 6, 8 or 10 year MYGA options

Guaranteed Terms Available: 

• 3 Year, 5 Year, 6 Year, 8 Year and 10 Year 

Interest Rates Available: 

• 5.00% Interest Rate Guarantee For 3 Year Term 
• 5.25% Interest Rate Guarantee For 5 Year Term 
• 5.30% Interest Rate Guarantee For 6 Year Term 
• 5.35% Interest Rate Guarantee For 8 Year Term 
• 5.40% Interest Rate Guarantee For 10 Year Term 

30 Day Exit Window Recurring Surrender Charges with MVA:

• 3 Year Term:
  10%, 10%, 9%,
  (in CA no MVA and 8.3%, 7.4%, 6.5%) 
• 5 Year Term:
  10%, 10%, 9%, 9%, 8%
  (in CA no MVA and 8.3%, 7.4%, 6.5%, 5.6% 4.7%) 
• 6 Year Term:
  10%, 10%, 9%, 9%, 8% , 8%
  (in CA no MVA and 8.3%, 7.4%, 6.5%, 5.6% 4.7%, 3.8%,)  
• 8 Year Term:
  10%, 10%, 9%, 9%, 8% , 8%, 7%, 7%
  (in CA no MVA and 8.3%, 7.4%, 6.5%, 5.6% 4.7%, 3.8%, 2.9%)
• 10 Year Term:  
  10%, 10%, 9%, 9%, 8% , 8%, 7%, 7%, 6%, 5%
  (in CA no MVA and 8.3%, 7.4%, 6.5%, 5.6% 4.7%, 3.8%, 2.9%, 0.9%, 0.0%)  
• Surrender charges differ in  AK, CT, IN, MN, MT, NJ, OH, OK, OR, PA, SC, TX, UT and WA.  

Minimum Deposit: 

• $10,000 

Issue Age: 

• 0-90

States not approved in:

• NY 

Free Withdrawal: 

• Cumulative Interest

Death Benefits: 

• Full Death Benefit

Commission:

• 3 Year Term:
  2.00% (0-80) & 1.50% (81-90)
• 5 - 10 Year Terms:
  3.00% (0-80) & 2.25% (81-90)

Waivers: 

• Nursing Home Disability Waivers 

Company Ratings: 

• "B++" Rated by A.M. Best

Agent Appointment: 

• Request An Agent Kit
  

Company Ratings:

• A- (excellent) by A.M. Best

Interest Rate:

• 3 Year
  4.40% (Premiums $250,000+)
  4.30% (Premiums $100,000 - $249,999+)
  4.05% ($10,000 - $99,999) 
• 5 Year:
  4.65% (Premiums $250,000+)
  4.60% (Premiums $100,000 - $249,999+)
  4.35% ($10,000 - $99,999)

Surrender Charges - +/- MVA:

• 3 year period: 9%, 8%, 7%, 0%, thereafter 
• 5 year period: 9%, 8%, 7%, 6%, 5%, 0% Thereafter

Minimum Deposit:

• $10,000

Minimum Guarantee

• 2.95% 

Maximum Deposit is Age Based:

• $1,500,000 (18-69)
• $1,000,000 (70-74)
• $750,000 (75-79)
• $500,000 (80+)

Issue Age:

• 18-85

Approved in all states except:

• NY

Free Withdrawal:

• 10% after year 1

Death Benefits:

• Full Death Benefit 

Commission:

• 3 Year: 1.50% (18-80) 1.13% (81-85)
• 5 Year: 2.25% (18-80) 1.69% (76-85)

Request An Agent Kit