MYGA 3, 5 or 7 Years

Company Ratings:  

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

Interest Rates Available:

3 Year Term:

• 4.55% ($250,000 or higher+)
• 4.50% ($100,000 - $249,999)
• 4.15% ($50,000 - $99,999)
• 4.05% ($10,000 - $49,999)

5 Year Term:

• 5.15% ($250,000 or higher+)
• 5.15% ($100,000 - $249,999)
• 4.85% ($50,000 - $99,999)
• 4.85% ($10,000 - $49,999)

7 Year Term:  

• 5.20% ($250,000 or higher+)
• 5.10% ($100,000 - $249,999)
• 4.90% ($50,000 - $99,999)
• 4.90% ($10,000 - $49,999)

Surrender Charges with MVA:

• 3 Year Term:  8%, 8%, 7% and then 0% in most states.
  In CA the 3-year schedule is 8%, 7%, 6% and then 0% . 
• 5 Year Term:  : 8%, 8%, 7%, 6%, 5% and then 0% in most states.
  In CA the 5-year schedule is 8%, 7%, 6%, 5%, 4% and then 0%  
• 7 Year Term:   8%, 8%, 7%, 6%, 5%, 4%, 3% and then 0% in most states.
  In CA the 7-year schedule is 8%, 7%, 6%, 5%, 4%, 3%, 2% and then 0%  
• No automatic renewal. 

Minimum Deposit:

• $10,000 ($1,000,000 maximum without Home Office approval)

Issue Age:  

• 0-85 

States ONLY approved in: 

• NY

Free Withdrawal: 

•  Accumulated interest earned (minus previous interest withdrawn) can be  withdrawn free of charge. 

Death Benefit:

• Full account balance (no surrender charges or MVA)

Waivers

•  Nursing Home and Hospitalization or Terminal Illness Waivers 

Commission:

• 3 Year Term: 1.50% (0-75) & 0.75% (76-85)
• 5 Year Term: 2.50% (0-75) & 1.75% (76-85) 
• 7 Year Term: 3.25% (0-75) & 2.25% (76-85) 

Company Ratings:  

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

Interest Rates Available:

3 Year Term:

• 4.40% ($250,000 or higher+ )
• 4.35% ($100,000 - $249,999)
• 4.00% ($50,000 - $99,999)
• 3.90% ($10,000 - $49,999)

5 Year Term:

• 4.90% ($250,000 or higher+ )
• 4.90% ($100,000 - $249,999)
• 4.60% ($50,000 - $99,999)
• 4.60% ($10,000 - $49,999)

7 Year Term:  

• 4.90% ($250,000 or higher+ )
• 4.90% ($100,000 - $249,999)
• 4.60% ($50,000 - $99,999)
• 4.60% ($10,000 - $49,999)

Surrender Charges with MVA:

• 3 Year Term:  8%, 8%, 7% and then 0% in most states.
  In CA the 3-year schedule is 8%, 7%, 6% and then 0% . 
• 5 Year Term:  : 8%, 8%, 7%, 6%, 5% and then 0% in most states.
  In CA the 5-year schedule is 8%, 7%, 6%, 5%, 4% and then 0%  
• 7 Year Term:   8%, 8%, 7%, 6%, 5%, 4%, 3% and then 0% in most states.
  In CA the 7-year schedule is 8%, 7%, 6%, 5%, 4%, 3%, 2% and then 0%  
• No automatic renewal. 

Minimum Deposit:

• $10,000 ($1,000,000 maximum without Home Office approval)

Issue Age:  

• 0-85 

States ONLY approved in: 

• NY

Free Withdrawal: 

• Withdrawals of up to 15% of the contract value per contract year are free of  withdrawal charges 

Death Benefit:

• Full account balance (no surrender charges or MVA)

Waivers

•  Nursing Home and Hospitalization or Terminal Illness Waivers 

Commission:

• 3 Year Term: 1.50% (0-75) & 0.75% (76-85)
• 5 Year Term: 2.50% (0-75) & 1.75% (76-85) 
• 7 Year Term: 3.25% (0-75) & 2.25% (76-85)