3, 5 or 7 Year Fixed Rate Options

Three Interest Rate Terms To Choose From:

• 3 Year: 4.45%
• 5 Year: 4.50% 
• 7 Year: 4.50%

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 
• 7 year 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:

• 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:

• 5.60% Year 1
  4.60% Years 2 - 5
• Or 4.80% ALL 5 YEARS

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: 

• All accumulated Interest

Death Benefits: 

• Full accumulation value to beneficiaries  

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)
  

Walk-Away at end of term MYGA's:

Carrier Ratings:  

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

Interest Rate Term Choices:

• 3 Year Term: 4.65% For 3 Years 
• 5 Year Term: 4.90% For 5 Years 
• 7 Year Term: 4.85% For 7 Years 
• 9 Year Term: 4.85% 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 

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: 0-85 (70 in CA and FL)
• 9 Year Term: 0-80 (65 in CA and FL)

States NOT approved in: 

• NY

Free Withdrawal: 

• NONE DURING SURRENDER CHARGE PERIOD; (Except RMD OK after year 1)
  100% LIQUID THEREAFTER,  

Death Benefits: 

• Surrender Value. Surviving spouses may elect to continue the policy as their own and avoid surrender charges. Non-spousal beneficiaries may reduce or avoid charges by deferring payment or taking a periodic income.
• CA Only Death Benefit: equals Accumulation Value for policies issued ages 65 and above.
  FL Only Death Benefit: equals Accumulation Value for policies issued at all ages.

Commission Based On Term:

• 3 Year Term: 2.00% All Issue Ages 
• 5 Year Term: 2.25% All Issue Ages
• 7 Year Term: 2.50% All Issue Ages
• 9 Year Term: 2.75% All Issue Ages

Waivers: 

• None

Current Interest Rate: 

• (Suspended sales on 11/01/2019 due to low rates)

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• Determined Annually

Surrender Charges: 

• NONE - 0% - NO MVA 

Minimum Deposit: 

• $10,000 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 = 0.50% (0-80)  | 0.40% (81-100)
  Pays accumulation value trail commission for as long as policy is in force.   

Company Ratings: 

• B++ by A.M. Best (Upgraded 3 times since 2012)