FSD Insurance & Financial Services - Independent Fixed Annuity & Life Insurance IMO

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  • Home
  • Deferred Annuity
    • MYGA Rates
    • Request A MYGA Quote
    • Split Annuity Quote
    • Savings Comparison Quote
    • Annuity Commissions
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • SPIA With Liquidity
    • Medically Underwritten
    • Types Of SPIA
    • SPIA Commission
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    • Fixed Indexed Annuities
    • FIA Quote Request
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    • Life Insurance Quotes
    • Life Insurance Commission
    • SPWL Quotes
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    • Indexed Rate Sheets
    • Agent Appointment
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3, 5 or 7 Year Fixed Rate Options

3, 5 or 7 Year guaranteed interest rates

Features of this walk away at end of term MYGA:

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) 

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1.00% 1ST YEAR ENHANCEMENT

5 Year MYGA rate With 1.00% 1st YEAR EnhanceMent

Features of this walk away at end of term MYGA:

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)

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Enhanced Rate MYGA Terms

3, 5, 7 or 9 Years guaranteed interest Terms

Enhanced Rate - Limited Features

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


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Quality | Integrity | Expertise 

FSD Financial Services Fixed Annuities and Life

28720 Roadside Drive, #126 Agoura Hills, California 91301, United States

800-373-9697

The Fully Liquid Fixed Annuity

LIQUID FPDA - This is a true no surrender annuity.

Liquid and Flexible

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)

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FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

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