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

Interest Rates: 

• 2.00% For 2 Years    (1.95% in CA)
• 2.50% For 3 Years    (2.40% in CA)
• 2.75% For 4 Years    (2.60% in CA) 
• 2.75% For 5 Years    (2.60% in CA) 
• 2.90% For 6 Years    (2.70% in CA) 
• 2.95% For 7 Years    (2.75% in CA) 
• 3.05% For 10 Years  (2.85% in CA)
  (CA rates lower & not available for the 2,4 and 6 year) 

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:

• $20,00 qualified and non-qualified

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: 0.75% 0-79 / 0.375% 80-89
• 3 Year: 1.50% 0-79 / 0.75% 80-89
• 4 Year: 1.00% 0-79 / 0.50% 80-89
• 5 Year: 3.00% 0-79 / 1.50% 80-89
• 6 Year: 1.00% 0-79 / 0.50% 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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