2,3,4,5,6,7 or 10 Year MYGA

Interest Rates: 

Rates are 0.20% HIGHER over $80,000

• 3.30% For 2 Years
• 3.50% For 3 Years   
• 3.90% For 4 Years    
• 3.90% For 5 Years  
• 4.10% For 6 Years 
• 4.10% For 7 Years 
• 4.10% For 10 Years
  (California rates 0.10% lower) 

Guarantee Periods: 

• Choose from the 3, 4, 5, 6, 7, or 10 year guaranteed term

Renewing Surrender Charges with MVA:

• 2-Year – 9%, 8% 
• 3-Year – 9% 8% 7%
• 4-Year – 9% 8% 7% 6%
• 5-Year – 9% 8% 7% 6% 5%
• 6-Year – 9% 8% 7% 6% 5% 4%
• 7-Year – 9% 8% 7% 6% 5% 4% 3% 
• 10-Year – 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%
  (Calif. surrender charges lower and have NO MVA) 

Minimum Deposit:

• $20,000 low band
• $80,000 high band

Issue Age: 

• 0-89 

Not approved in these states: 

• CT, NY, VT

Free Withdrawal: 

• 10% of account value 

Death Benefit: 

• Account value (No MVA or surrender charges) or spousal continuation option.

Commissions:

• 2 Year: 0.85% 0-79 / 0.425% 80-89
• 3 Year: 1.50% 0-79 / 0.75% 80-89
• 4 Year: 1.15% 0-79 / 0.575% 80-89
• 5 Year: 2.25% 0-79 / 1.25% 80-89
• 6 Year: 1.25% 0-79 / 0.625% 80-89
• 7 Year: 2.75% 0-79 / 1.375% 80-89
• 10 Year: 2.75% 0-79 / 1.375% 80-89

Company Ratings: 

• A- by A.M. Best 

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