"A" Rated Carrier MYGA Terms

Interest Rates: 

• 3 Year:
  2.35% ($100,000+ Premium),
  2.25% ($15,000 - $99,999)
• 5 Year:
  2.70% ($100,000+ Premium),
  2.60% ($15,000 - $99,999)
• 7 Year:
  2.75% ($100,000+ Premium),  
  2.65% ($15,000 - $99,999)
• 10 Year:
  2.75% ($100,000+ Premium),
  2.65% ($15,000 - $99,999)

Guaranteed Periods: 

• 3, 5 7 or 10 Years 

Surrender Charges +/- MVA: 

• 3 Years: 9.4%, 8.5%, 7.5%*
• 5 Years: 9.4%, 8.5%, 7.5%,  6.5%, 5.5%*
• 7 Years: 9.4%, 8.5%, 7.5%,  6.5%, 5.5%, 4.5%, 3.5% *
• 10 Years: 9.4%, 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0.5% *
  *30 Day free exit window after term then repeats from year 1 

Deposit: 

• $15,000 Minimum
• $1.000.000 Maximum 

Issue Age:

• 3 and 5 Year: 0-93
• 7 Year: 0-90
• 10 Year: 0-80
  May vary by state 

States NOT approved in: 

• CA, NY 

Free Withdrawal:

• Interest payments OK immediately (NO 10% Avail)
  First 30 days of each subsequent surrender charge period
  Regularly scheduled payments of interest earnings
  Required minimum distribution

Death Benefits: 

• Full Death Benefit 

Commission: 

• 3 Year: 1.50% (0-80), 0.75% (81-85), 0.50% (86-93) 
• 5 Year: 2.00% (0-80), 1.00% (81-85), 0.77% (86-93) 
• 7 Year: 2.00% (0-80), 1.00% (81-85), 0.77% (86-90) 
• 10 Year: 3.00% (0-80)  

Waivers: 

• Terminal conditions & Nursing home residency