Interest Rate & Term Option Choices:
- 3 Year Term:
1.70% (Premiums $250,000+)
1.60% ($10,000 - $249,999)
- 4 Year Term:
1.90% (Premiums $250,000+)
1.80% ($10,000 - $249,999)
- 5 Year Term:
2.10% (Premiums $250,000+)
2.00% ($10,000 - $249,999)
- 6 Year Term:
2.30% (Premiums $250,000+)
2.20% ($10,000 - $249,999)
- 7 Year Term:
2.50% (Premiums $250,000+)
2.40% ($10,000 - $249,999)
- 8 Year Term:
2.60% (Premiums $250,000+)
2.50% ($10,000 - $249,999)
- 9 Year Term:
2.70% (Premiums $250,000+)
2.60% ($10,000 - $249,999)
- 10 Year Term:
2.85% (Premiums $250,000+)
2.75% ($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:
States NOT approved in:
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:
Company Ratings: