"A" Rated Carrier MYGA Terms

 Carrier Ratings: 

• (A) by AM Best 
• (A+) by Standard & Poor's 
• (A1) by Moody's
• (B+) by Weiss
• (82) Comdex

Interest Rates: 

• 3 Year:
  4.50% RMD only
  4.45% with interest withdrawals
  4.40% with 10% withdrawals
  4.30% with principal guarantee
  Under $100,000 premium minus 0.10% from rate! 
• 5 Year:
  5.00% RMD only
  4.95% with interest withdrawals
  4.90% with 10% withdrawals
  4.80% with principal guarantee
  Under $100,000 premium minus 0.10% from rate! 
• 7 Year:
  4.90% RMD only
  4.85% with interest withdrawals
  4.80% with 10% withdrawals
  4.70% with principal guarantee
  Under $100,000 premium minus 0.10% from rate! 

Guaranteed Periods: 

• 3, 5, 7 Years 

Surrender Charges +/- MVA: 

• 3 Years:  9 ⁴⁄₁₀, 8½, 7½%* 
• 5 Years:  9 ⁴⁄₁₀, 8½, 7½, 6½, 5½%*
• 7 Years:  9 ⁴⁄₁₀, 8½, 7½, 6½, 5½, 4½, 3½%*
  *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
  May vary by state 

States NOT approved in: 

• NY 

Free Withdrawal:

• Required minimum distribution

OPTIONAL Benefit (As seen with lowers rates):

• interest payments (-0.05% bps)
• annual 10% withdrawals (-0.10% bps)
• principal guarantee (-0.20% bps)

Death Benefits: 

• Full Death Benefit 

Commission: 

• 3 Year: 1.50% (0-80), 0.50% (81-93), 0.50% (86-93) 
• 5 Year: 2.50% (0-80), 1.25% (81-85), 1.00% (86-90), 0.90% (91-93) 
• 7 Year: 3.50% (0-80), 1.75% (81-85), 1.50% (86-90),

Waivers: 

• Terminal conditions & Nursing home residency