1 - 10 Year MYGA Options

Company Ratings: 

• (A) by AM Best 
• (B-) by Weiss

Interest Rate & Term Option Choices: 

• 1 & 2 Year Terms:
  Not Available after 1/1/2024 
• 3 Year Term:
  4.70% (Premiums $100,000+)
  4.40% ($10,000 - $99,999)
• 4 Year Term:
  4.80% (Premiums $100,000+)
  4.50% ($10,000 - $99,999)
• 5 Year Term:
  4.90% (Premiums $100,000+)
  4.60% ($10,000 - $99,999)
• 6 Year Term:
  4.90% (Premiums $100,000+)
  4.60% ($10,000 - $99,999)
• 7 Year Term:
  4.80% (Premiums $100,000+)
  4.50% ($10,000 - $99,999)
• 8 Year Term:
  4.80% (Premiums $100,000+)
  4.50% ($10,000 - $99,999)
• 9 Year Term:
  4.80% (Premiums $100,000+)
  4.50% ($10,000 - $99,999)
• 10 Year Term:
  4.75% (Premiums $100,000+)
  4.45% ($10,000 - $99,999)

Guaranteed Period: 

• Choose a 1 - 10 Year Term

Surrender Charges: +/- MVA 

• 1 Year Term Recurring: 7%*
• 2 Year Term Recurring: 7%, 6%*
• 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 
• California 1 & 2 year rates NOT approved 

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: 

• 1 Year Term: 0.50% (ages 0-80) | 0.38% (81-85) | 0.25% (86-90)
• 2 Year Term: 0.75% (ages 0-80) | 0.55% (81-85) | 0.38% (86-90)
• 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.) 

Waivers: 

• None