3, 5 or 7 Year Fixed Rate Options

Three Interest Rate Terms To Choose From:

• 3 Year: 1.85%
• 5 Year: 2.20% 
• 7 Year: 2.35%

Guaranteed Periods: 

• 3 Years  
• 5 Years
• 7 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%, 4.0%, 0.0% Thereafter
• 7 year term:
  Ages 0-55: 12%, 11%, 10%, 8%, 6%, 5%, 4%, 0% Thereafter
  Ages 56+: 8%, 7%, 6%, 5%, 4.5%, 3.5%, 2.5%, 0% Thereafter
  +/- MVA during guarantee period all terms

Minimum Deposit:

• $10,000

Issue Age: 

• 0-90 
• 0-85 on 7 year term
• 0-85 in OK

States NOT approved in:

• NY

Free Withdrawal: 

• Accumulated Interest

Death Benefits: 

• Full Accumulation Value Death Benefit 

Carrier Ratings: 

• A- by A.M. Best (4 ratings upgrades since 2012!)

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% (81-85) 

Guaranteed Interest Rate:

• 3.30% Year 1
  2.30% Years 2 -5
  (2.50% Yield) or available as a level 2.50% rate if desired

Guaranteed Period: 

• 5 Years

Surrender Charges: 

• 5 year term: 8.1%, 7.3%, 6.4%, 5.5%, 4.5%, 0.0% Thereafter
  +/- MVA during guarantee period | (No MVA in PA & MO)

Minimum Deposit:

• $10,000

Issue Age: 

• 0-90 (85 in OK)

States NOT approved in:

• DE, NY

Free Withdrawal: 

• Accumulated Interest

Death Benefits: 

• Full Accumulation Value Death Benefit 

Carrier Ratings: 

• A- by A.M. Best (4 ratings upgrades since 2012!)

Waivers:  

• Nursing Home & Disability Waiver 

Commission:

• 5 Year Term:
  2.00% (0-80) and
  0.40% (81-90)