3 - 10 year guaranteed interest rate Options
Basic Details & Features
- Interest Rate & Term Option Choices:
3 Year Term: 3.10% (Premiums $250,000+) | 3.00% (Premiums $10,000 - $249,999)
4 Year Term: 3.15% (Premiums $250,000+) | 3.05% (Premiums $10,000 - $249,999)
5 Year Term: 3.35% (Premiums $250,000+) | 3.25% (Premiums $10,000 - $249,999)
6 Year Term: 3.40% (Premiums $250,000+) | 3.30% (Premiums $10,000 - $249,999)
7 Year Term: 3.45% (Premiums $250,000+) | 3.35% (Premiums $10,000 - $249,999)
8 Year Term: 3.50% (Premiums $250,000+) | 3.40% (Premiums $10,000 - $249,999)
9 Year Term: 3.55% (Premiums $250,000+) | 3.45% (Premiums $10,000 - $249,999)
10 Year Term: 3.60% (Premiums $250,000+) | 3.50% (Premiums $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% (ages 81-85) | 0.50% (86-90)
4 Year Term: 2.00% (ages 0-80)* | 1.31% (ages 81-85) | 0.88% (86-90)
5 - 9 Year Terms: 2.50% (ages 0-80) | 1.85% (ages 81-85) | 1.25% (86-90)
10 Year Term: 3.00% (ages 0-80) | 2.25% (ages 81-85) | 1.50% (86-90)
(DE Commission reduced.) (4 year 1.75% plus 0.25% bonus from FSD 0-80) - Waivers: None
- Company Ratings: B++ by A.M. Best
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