3 - 10 year guaranteed interest rate Options

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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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FSD Financial Services Fixed Annuities and Life

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

(800) 373-9697