8 Terms - 1 MYGA Product

Company Ratings: 

• 'A' by A.M. Best 
• 'B+' by Weiss

Interest Rate: 

• 3 Year - 1.85%
• 4 Year - 2.40%
• 5 Year - 2.45%
• 6 Year - 2.80%
• 7 Year - 2.70%
• 8 Year - 2.90%
• 9 Year - 2.85%
• 10 Year - 2.90%

Guaranteed Period: 

• Choose a guaranteed period and rate from 3 - 10  Years:

Surrender Charges:  

• 3 Year - 10%, 9%, 8%
• 4 Year - 10%, 9%, 8%, 7%
• 5 Year - 10%, 9%, 8%, 7%, 6%
• 6 Year - 10%, 9%, 8%, 7%, 6%, 5%
• 7 Year - 10%, 9%, 8%, 7%, 6%, 5%, 4%
• 8 Year - 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%
• 9 Year - 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%
• 10 Year - 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%
  30 Day Window then charges renew. +/- MVA 

Issue Age: 

• 18-85

Premiums:

• $20,000 - $1,000,000
• $500,000 max age 81+

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• All interest earned only in the first contract year, may be withdrawn immediately.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: 

• 3 Year:
  1.00% (0-75)
  0.50% (76-80)
  0.38% (81-85)
• 4 Year:
  1.30% (0-75)
  0.55% (76-80)
  0.45% (81-85)
• 5 Year:
  2.50% (0-75)
  1.50% (76-80)
  1.15% (81-85)
• 6 Year:
  1.25% (0-75)
  0.75% (76-80)
  0.55% (81-85) 
• 7 Year:
  2.50% (0-75)
  1.50% (76-80)
  1.15% (81-85)
• 8 Year:
  1.45% (0-75)
  0.90% (76-80)
  0.60% (81-85)
• 9 Year:
  2.75% (0-75)
  1.75% (76-80)
  1.20% (81-85)
• 10 Year:
  3.00% (0-75)
  2.00% (76-80)
  1.50% (81-85)

Waiver of Surrender Charges: 

• Home Health Care 
• Terminal Illness
• Nursing Home