MYGA Rates 3, 5 or 7 Years

Company Ratings:

• (A+) by AM Best 
• (A+) by Standard & Poor's 
• (A1) by Moody's
• (C) by Weiss
• (82) Comdex

Interest Rates in MOST STATES: 

• 3 Year:
  4.85% $100,000+
  4.60% $10,000 - $99,999 
• 5 Year:
  5.30% $100,000+
  5.05% $10,000 - $99,999  
• 7 Year:
  5.30% $100,000+
  5.05% $10,000 - $99,999  

Interest Rates ONLY in AK,CA,CT,DE,HI,ID,MD,MN,MO,NJ,NV,OH,OK,OR,PA,SC,TX,UT,WA 

• 3 Year:
  4.85% $100,000+
  4.60% $10,000 - $99,999 
• 5 Year:
  5.25% $100,000+
  5.00% $10,000 - $99,999 
• 7 Year:
  5.25% $100,000+
  5.00% $10,000 - $99,999 

Guaranteed Periods:

•  3, 5, or 7 Years 

Surrender Charges MOST STATES

• 3 Years: 10%, 10%, 10%, 0%
• 5 Years: 10%, 10%, 10%, 10%, 10%, 0%
• 7 Years: 10%, 10%, 10%, 10%, 10%, 10%, 10%, 0%
• +/- MVA:

Surrender Charges: ONLY in AK,CT,DE,HI,MD,MN,MO,NV,NJ,OH,OK,OR,PA,SC,TX,UT,WA 

• 3 Years: 9.3%, 8.4%, 7.5%, 
• 5 Years: 9.3%, 8.4%, 7.5%, 6.6%, 5.7%
• 7 Years: 9.3%, 8.4%, 7.5%, 6.6%, 5.7%, 4.7%, 3.8%
• +/- MVA:

Surrender Charges: ONLY in California 

• 3 Years: 8.3%, 7.3%, 6.3%, 
• 5 Years: 8.3%, 7.3%, 6.3%, 5.3%, 4.2%
• 7 Years: 8.3%, 7.3%, 6.3%, 5.3%, 4.2%, 3.2%, 2.1%
• +/- MVA:

Premiums: 

• $10,000 - $1,000,000 

Issue Age: 

• 3 Year: 0-85
• 5 and 7 Year: 0-83

States NOT approved in:

• NY

Free Withdrawal:  

• Each Contract Year, can withdraw up to amount equal to the Multi-Year Fixed Strategy Rate multiplied by Accumulated Value 
• RMD Friendly

Death Benefits:

• Full Death Benefit

Waivers (not available in California):

• Confinement Waiver
• Terminal Illness Waiver 

Commission: 

• 3 Year:
  1.30% (0-75),
  0.90 (76-80)
  0.40% (81+)
• 5 Year:
  2.00% (0-75),
  1.80% (76-80)
  1.10% (81+)
• 7 Year:
  2.50% (0-75),
  2.25% (76-80)
  1.30% (81+)