Two Interest Rate Terms To Choose From:

• 2.75% Interest Rate Guarantee For 3 Year Term
• 3.10% Interest Rate Guarantee For 5 Year Term

Guaranteed Period: 

• 3 Years or 
• 5 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
  +/- MVA during guarantee period | (No MVA in PA & MO)

Minimum Deposit:

• $10,000

Issue Age: 

• 0-90 (85 in OK)

States NOT approved in:

• MN, NH, NY

Free Withdrawal: 

• Accumulated Interest

Death Benefits: 

• Full Accumulation Value Death Benefit 

Carrier Ratings: 

• B++ by A.M. Best (3 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)