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Multi-Year GUARANTEE INTEREST RATE OPTIONS

Choose a term

Interest Rate & Term Option Choices: 

  • 3 Year Term:
    2.40% (Premiums $250,000+)
    2.30% ($10,000 - $249,999)
  • 4 Year Term:
    2.70% (Premiums $250,000+)
    2.60% ($10,000 - $249,999)
  • 5 Year Term:
    2.85% (Premiums $250,000+)
    2.75% ($10,000 - $249,999) 
  • 6 Year Term:
    3.00% (Premiums $250,000+)
    2.90% ($10,000 - $249,999)
  • 7 Year Term:
    3.10% (Premiums $250,000+)
    3.00% ($10,000 - $249,999)
  • 8 Year Term:
    3.20% (Premiums $250,000+)
    3.10% ($10,000 - $249,999)
  • 9 Year Term:
    3.25% (Premiums $250,000+)
    3.15% ($10,000 - $249,999)
  • 10 Year Term:
    3.30% (Premiums $250,000+)
    3.20% ($10,000 - $249,999)

Guaranteed Period: 

  • Choose a 3 - 10 Year Term

Surrender Charges: +/- MVA 

  • 3 Year Term Recurring: 7%, 6%, 5%*
  • 4 Year Term Recurring: 7%, 6%, 5%, 4%*
  • 5 Year Term Recurring: 7%, 6%, 5%, 4%, 3%*
  • 6 Year Term Recurring: 7%, 6%, 5%, 4%, 3%, 2%*
  • 7 Year Term Recurring: 7%, 6%, 5%, 4%, 3%, 2%, 1%*
  • 8 Year Term Recurring: 7%, 6%, 5%, 4%, 3%, 2%, 1%, 1%*
  • 9 Year Term Recurring: 7%, 6%, 5%, 4%, 3%, 2%, 1%, 1%, 1%*
  • 10 Year Term Recurring: 7%, 6%, 5%, 4%, 3%, 2%, 1%, 1%, 1%, 0.75%*
    The MVA is not applied in DE. Prior to the end of each Guaranteed Interest Rate Period, there is a *30-day window to withdraw funds before the Contract will renew at a new rate for another Guarantee Period. Surrender Charges and MVA will restart.

Minimum Deposit: 

  • $10,000 ($5,000 qualified)

Issue Age: 

  • 0-90

States NOT approved in:

  • NY

Free Withdrawal: 

  • 10% of the previous anniversary | RMD's allowed in all years (chargebacks in Year 1). Can annuitize at any time. minimum of 10 years, or for 5 years after the initial guarantee period.

Death Benefits: 

  • Full account value at death.

Commission: 

  • 3 Year Term: 1.00% (ages 0-80) | 0.75% (81-85) | 0.50% (86-90)
  • 4 Year Term: 1.75% (ages 0-80)* | 1.31% (81-85) | 0.88% (86-90) 
  • 5 & 6 Year Terms: 2.50% (ages 0-80)* | 1.88% (81-85) | 1.25% (86-90)
  • 7 - 9 Year Terms: 2.50% (ages 0-80) | 1.88% (81-85) | 1.25% (86-90)
  • 10 Year Term: 3.00% (ages 0-80) | 2.25% (81-85) | 1.50% (86-90)
    (DE Commission reduced.) 
  • *SPECIAL November Commission on $250,000 premium+
    (4 year = 1.75% plus 0.25% bonus from FSD 0-80)
    (6 & 7 year = 2.50% plus 0.50% bonus from FSD 0-80)

Waivers: 

  • None

Company Ratings: 

  • B++ by A.M. Best 

800.373.9697 for assistance.

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We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise 

FSD Financial Services Fixed Annuities and Life

5530 Corbin Ave, Suite 101, Tarzana, CA 91356, US

(800) 373-9697