3, 5 or 7 Year Fixed Rate Options

Carrier Ratings: 

• (A-) by AM Best
• (B-) by Weiss

Three Interest Rate Terms To Choose From:

• 3 Year: 4.40%
• 5 Year: 4.45% 
• 7 Year: 4.55%
• 9 Year: 4.65%

Guaranteed Periods: 

• 3 Years  
• 5 Years
• 7 Years
• 9 Years

Surrender Charges: 

• 3 year term: 8.0%, 7.0%, 6.0%, 0.0% Thereafter
• 5 year term: 8.0%, 7.0%, 6.0%, 5.0%, 4.5%, 0.0% Thereafter
• 7 year term: 8.0%, 7.0%, 6.0%, 5.0%, 4.5%, 3.5%, 2.5%, 0.0% 
• 9 year term: 8.0%, 7.0%, 6.0%, 5.0%, 4.5%, 3.5%, 2.5% 1.5%, 0.5%, 0.0%
  +/- MVA during guarantee period all terms

Minimum Deposit:

• $10,000
•  NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA 

Issue Age: 

• 0-90 
• 0-88 on 7 year term
• 0-86 on 9 year term

States NOT approved in:

• CA, NY 

Free Withdrawal: 

• Accumulated Interest

Death Benefits: 

• Full Accumulation Value Death Benefit 

Waivers:  

• Nursing Home & Disability Waiver 

Commission:

• 3 Year Term:
  2.00% (0-80) and
  1.00% (81-90)
• 5 Year Term:
  3.25% (0-80) and
  1.50% (81-90)
• 7 Year Term:  
  4.00% (0-80) and
  2.00% (81-88) 
• 9 Year Term:  
  4.25% (0-80) and
  2.05% (81-86) 

 Carrier Ratings: 

• (A-) by AM Best
• (B-) by Weiss

Guaranteed Interest Rate:

• 5 Year:
  5.35% Year 1
  4.35% Years 2 - 3
  (4.68% APY)
• 5 Year:
  5.60% Year 1
  4.60% Years 2 - 5
  (4.80% APY)
• 7 Year:
  5.75% Year 1
  4.75% Years 2 - 7
  (4.89% APY)
• 9 Year:
  5.85% Year 1
  4.85% Years 2 - 9
  (4.96% APY)

Guaranteed Period: 

• 3, 5, 7, or 9 Years

Surrender Charges: 

• 3 year term:  8.2%, 7.2%, 6.2%, 0.0% Thereafter
• 5 year term:  8.2%, 7.2%, 6.2%,  5.2%, 4.6%, 0.0%  Thereafter
• 7 year term:  8.2%, 7.2%, 6.2%,  5.2%, 4.6%, 3.6%, 2.7%, 0.0% Thereafter
• 9 year term:  8.2%, 7.2%, 6.2%, 5.2%, 4.6%, 3.6%, 2.7% 1.7%, 0.7%, 0.0% Thereafter
  +/- MVA during guarantee period all terms

Minimum Deposit:

• $10,000
•  NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA

Issue Age: 

• 0-90 (85 in OK)

States NOT approved in:

• CA, NY

Free Withdrawal: 

• All accumulated Interest

Death Benefits: 

• Full accumulation value to beneficiaries  

Waivers:  

• Nursing Home & Disability Waiver 

Commission:

• 3 Year Term:
  1.50% (0-80) and
  0.40% (81-90)
• 5 Year Term:
  2.00% (0-80) and
  0.40% (81-90)
• 7 Year Term:
  2.15% (0-80) and
  0.45% (81-88)
• 9 Year Term:
  2.25% (0-80) and
  0.50% (81-86)

 Carrier Ratings: 

• (A-) by AM Best
• (B-) by Weiss

Guaranteed Interest Rate:

• 3 Year: 4.70%
• 5 Year: 4.80% 
• 7 Year: 4.90%
• 9 Year: 5.00%

Guaranteed Period: 

• 3, 5, 7, or 9 Years

Surrender Charges: 

• 3 year term:  8.1%, 7.1%, 6.1%, 0.0% Thereafter
• 5 year term:  8.1%, 7.1%, 6.1%,  5.1%, 4.6%, 0.0%  Thereafter
• 7 year term:  8.1%, 7.1%, 6.1%,  5.1%, 4.6%,  3.6%, 2.6%, 0.0%  Thereafter
• 9 year term:  8.1%, 7.1%, 6.1%,  5.1%, 4.6%,  3.6%, 2.6% 1.6%,  0.6%, 0.0%  Thereafter
  +/- MVA during guarantee period all terms

Minimum Deposit:

• $10,000
•  NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA

Issue Age: 

• 0-90 (85 in OK)

States NOT approved in:

• CA, NY

Free Withdrawal: 

• All accumulated Interest

Death Benefits: 

• Full accumulation value to beneficiaries  

Waivers:  

• Nursing Home & Disability Waiver 

Commission:

• 3 Year Term:
  1.50% (0-80) and
  0.40% (81-90)
• 5 Year Term:
  2.00% (0-80) and
  0.40% (81-90)
• 7 Year Term:
  2.15% (0-80) and
  0.45% (81-88)
• 9 Year Term:
  2.25% (0-80) and
  0.50% (81-86)

Walk-Away at end of term MYGA's:

Carrier Ratings:  

• (A-) by AM Best
• (B-) by Weiss

Interest Rate Term Choices:

• 3 Year Term: 4.80% For 3 Years 
• 5 Year Term: 5.00% For 5 Years 
• 7 Year Term: 5.00% For 7 Years 
• 9 Year Term: 5.00% For 9 Years 

Surrender Charges: 

• 3 Year Rate Term: 7.9%, 7.0%, 6.2%, 0.0% Thereafter  
• 5 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 0.0% Thereafter 
• 7 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 3.5%, 2.7%, 0.0% Thereafter 
• 9 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 3.5%, 2.7%, 1.8%, 0.9%, 0.0% Thereafter
  +/- MVA during selected term | (No MVA in PA & MO)

Minimum Deposit: 

• $10,000 
•  NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA 

Issue Age: 

• 3 Year Term: 0-90 (75 in CA and FL) 
• 5 Year Term: 0-90 (75 in CA and FL)
• 7 Year Term: 0-88 (70 in CA and FL)
• 9 Year Term: 0-86 (65 in CA and FL)

States NOT approved in: 

• CA, NY

Free Withdrawal: 

• NONE DURING SURRENDER CHARGE PERIOD; (Except RMD OK after year 1) 

Death Benefits: 

• Full accumulation value to beneficiaries  

Commission:

• 3 Year Term:
  1.50% (18-80)
  1.00% (81-90)
• 5 Year Term:
  2.25% (18-80)
  1.25% (81-90)
• 7 Year Term:
  2.50% (18-80)
  1.25% (81-88) 
• 9 Year Term:
  2.75% (18-80)
  1.25% (81-86)

Waivers: 

• None

QUALIFIED FUNDS ONLY

Carrier Ratings: 

• (A-) by AM Best
• (B-) by Weiss

Current Interest Rate: 

• 3.00% 

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 3.00% for 2024

Surrender Charges: 

• NONE - 0% - NO MVA 

Minimum Deposit: 

• $25,000 minimum - Add $1,000 or more anytime

Issue Age: 

• 0-100 (85 in OK)

States NOT approved in:  

• MT, NY 

Free Withdrawal: 

• 100% Liquid - withdraw partial or full funds at anytime
  Must maintain at least a $10,000 balance to keep policy in-force. 

Death Benefits:

• Full Death Benefit

Uses: 

• Possible substitute for a short term SPIA - Allows clients to show short term steady annuity income through systematic withdrawals of principal and interest.
• Great for old 401K and qualified fund rollovers.
• Avoid new charges in 30 day window MYGA's.
• May avoid probate.
• Savings account look alike with wide flexibility.
• Tax deferral
• May be transferred into any of the carriers other MYGA products with full commission.

Commission:

• 1/12th of Annual Commission paid monthly on Account Value.  
  Annual Commission = 0.15% (0-100)  
  Pays accumulation value trail commission for as long as policy is in force.   

Carrier Ratings: 

• (A-) by AM Best
• (B-) by Weiss

Guaranteed Interest Rate:

• 5 Year:
  5.40% Year 1
  4.40% Base Rate 
• 7 Year:
  6.00% Year 1
  4.50% Base Rate 

Guaranteed Period: 

• 1 Year

Surrender Charges: 

• 5 year term:  8.0%, 7.0%, 6.0%, 5.0%, 4.0%, 0.0%  Thereafter
• 7 year term:
  (Age 0-55)  12, 11, 10, 8, 6, 4, 2, 0.0% Thereafter
  (Age 56+)   8, 7, 6, 5, 4, 3, 2,0% 0.0% Thereafter

Minimum Deposit:

• $5,000 initial 
• $100 minimum additions
•  NQ, NQ-Inherited, Traditional IRA, Roth IRA, SEP IRA, Inherited IRA, Inherited Roth IRA

Issue Age: 

• 0-90 (85 in OK)
• 0-85 on 7 year

States NOT approved in:

• AL, ID, NY

Free Withdrawal: 

• All accumulated Interest

Death Benefits: 

• Full accumulation value to beneficiaries  

Waivers:  

• Nursing Home & Disability Waiver 

Commission:

• 5 Year Term:
  4.00% (18 - 80)
  2.00% (81 - 90)
• 7 Year Term:
  5.50% (18 - 80)
  2.50% (81 - 90)