MYGA - A Rated Carrier

Initial Interest Rate Option Choices:

• 4 Year Term:  
  4.25% (Premiums $100,000+)   
  3.00% (Premiums $10,000 - $99,999)
• 5 Year Term:
  4.50% (Premiums $100,000+)  
  3.15% (Premiums $10,000 - $99,999)
• 6 Year Term:
  4.50% (Premiums $100,000+)   
  3.15% (Premiums $10,000 - $99,999)  
• 7 Year Term:
  4.50% (Premiums $100,000+)
  3.20% (Premiums $10,000 - $99,999) 
• 10 Year Term:
  4.60% (Premiums $100,000+)
  3.20% (Premiums $10,000 - $99,999)
  (New York Rates Vary)

Guaranteed Period: 

• Choose from the 4, 5, 6, 7 and 10 Year Terms

Surrender Charges: +/- MVA (30 day exit window after term)

• 10 Year Term Maximum:  
  8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Thereafter  
  There is a 30-day window at the end of the initial interest rate guaranteed period during which no withdrawal charge or market value adjustment will be imposed on a full or partial withdrawal. After the 30-day window expires, withdrawal charges will resume for any withdrawal in excess of penalty-free amounts through the 10th year.

Minimum Deposit: 

• $10,000 ($5,000 qualified)

Issue Age: 

• 0-85

States NOT approved in: 

• (Product rates MAY be lower in NY)

Free Withdrawal: 

• After one year from the contract date, you may take multiple penalty-free withdrawals (without charges or MVA adjustments) each year not exceeding 15% of the previous anniversary contract value.

Death Benefits: 

• Full account value at death.

Waivers: 

• Extended Care: Withdrawal charges and MVA (if applicable) will be waived if the owner is confined to a qualifying institution or extended care facility for 90 consecutive days or longer after the first contract year. We must receive proof within 90 days of the last day such extended care was received.  Waiver does not apply if extended care began before the contract was issued.
• Terminal Illness: Withdrawal charges and MVA (if applicable) will be waived for one full or partial withdrawal if the owner is  diagnosed with a terminal illness that is expected to result in death within one year. Initial diagnosis must be after the contract date and written documentation by a qualified physician is required.
• Activities of Daily Living: After the first contract year, withdrawal charges and MVA (if applicable) will be waived if the owner cannot  perform two or more of the six defined activities of daily living (bathing, continence, dressing, eating, toileting and transferring) for at least 90 consecutive days. Written certification by a licensed healthcare practitioner is  required.

Commission: 

• 4 Year Term:  
  1.50% (ages 0-75)  
  0.75% (ages 76-85) 
• 5 Year Term:
  1.50% (ages 0-75)
  0.75% (ages 76-85)
• 6 Y ear Term:
  2.00% (ages 0-75)
  1.00% (ages 76-85) 
• 7 Year Term:
  2.00% (ages 0-75)
  1.00% (ages 76-85) 
• 10 Year Term:
  2.00% (ages 0-75)
  1.00% (ages 76-85) 

Company Ratings: 

• A by A.M. Best