Fixed Annuity offering a bail-out rate

Company Ratings:  

• (B++) by AM Best  
• (A) Exceptional, from Demotech, Inc 
• (D+) by Weiss

Interest Rates Available:

3 Year Term:

• 4.10% includes 10% free withdrawals
• 4.20% removes 10% free withdrawals

5 Year Term:

• 4.90% with 10% free withdrawals 
• 5.00% removes 10% free withdrawals
• 5.40% removes rate lock and adds bail out
• 5.50% remove 10% free withdrawals | removes rate lock and adds bail out  

7 Year Term:  

• 4.90% with 10% free withdrawals 
• 5.00% removes 10% free withdrawals
• 5.40% removes rate lock and adds bail out
• 5.50% remove 10% free withdrawals | removes rate lock and adds bail out  

10 Year Term:

• 4.90% with 10% free withdrawals 
• 5.00% removes 10% free withdrawals
• 5.40% removes rate lock and adds bail out
• 5.50% remove 10% free withdrawals | removes rate lock and adds bail out  

Bail-Out Info: 

• If the rate is reduced below the initial rate, you will be able to fully withdraw your annuity balance with no withdrawal charges or MVA. 

Surrender Charges with MVA:

• 3 Year Term: 9%, 8%, 7%, 0% 
• 5 Year Term: 9%, 8%, 7%, 6%, 5%, 0%
• 7 Year Term: 9%, 8%, 7% , 6%, 5%, 4%, 3%, 0%
• 10 Year Term: 9%, 8%, 7% , 6%, 5%, 4%, 3%, 2%, 1%, 0.50%, 0%
• No automatic renewal. Default option is fully liquid with minimum 2% interest

Minimum Deposit:

• $2,000 ($500,000 maximum)

Issue Age:  

• 0-90 

States ONLY approved in:  

•  AK, AL, AZ, AR, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MA, MD, MI, MO, MS, MT, NE, NV, ND, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, WY. 

Free Withdrawal: 

• 10% per year unless rider is selected removing  
• Free RMD are available immediately with no fees
• Free Interest Withdrawals are available immediately with no fees

Death Benefit:

• Full account balance (no surrender charges or MVA)

Commission:

• 3 Year Term: 1.00% (0-80) & 1.00% (81-90)
• 5 Year Term: 2.25% (0-80) & 1.25% (81-90) 
• 7 Year Term: 2.50% (0-80) & 1.25% (81-90) 
• 10 Year Term: 2.75% (0-80) & 1.25% (81-90)