4 year guaranteed interest rate annuity

Some Features of this MYGA: 

• Interest Rate: 3.05% For 4 Years 
• Guaranteed Period: Guaranteed For 4 Years 
• Surrender Charges:  4 Years - Recurring
  10% Year 1
  9% Year 2
  8% Year 3
  7% Year 4
  30 Day Window then charges renew. +/- MVA 
• Issue Age: 18-80 
• States NOT approved in: AL, NY, MS, MT, WV, VT 
• Free Withdrawals: All interest earned only in the first contract year, may be withdrawn immediately. 10% Free Withdrawal Provision after the first contract year.
• Death Benefits: Full Death Benefit 
• Commission: 1.27% (ages 0-75) 
• Waiver of Surrender Charges: Home Health Care, Terminal Illness, Nursing Home 
• Company Ratings: A- by A.M. Best