3 - 10 year guaranteed interest rate Options

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Basic Details & Features


  • Interest Rate Option Choices:
    3 Year Term:
    3.00% (Premiums $250,000+) | 2.90% (Premiums $10,000 - $249,999)
    4 Year Term: 3.05% (Premiums $250,000+) | 2.95% (Premiums $10,000 - $249,999)
    5 Year Term: 3.15% (Premiums $250,000+) | 3.05% (Premiums $10,000 - $249,999)
    6 Year Term: 3.20% (Premiums $250,000+) | 3.10% (Premiums $10,000 - $249,999)
    7 Year Term: 3.25% (Premiums $250,000+) | 3.15% (Premiums $10,000 - $249,999)
    8 Year Term: 3.30% (Premiums $250,000+) | 3.20% (Premiums $10,000 - $249,999)
    9 Year Term: 3.35% (Premiums $250,000+) | 3.25% (Premiums $10,000 - $249,999)
    10 Year Term: 3.40% (Premiums $250,000+) | 3.30% (Premiums $10,000 - $249,999)
  • Guaranteed Period: Guaranteed For Choose From 3 - 10 Year Terms
  • Surrender Charges: +/- MVA (30 day exit window after term)
    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: 1.75% (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.)
  • 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