Fixed Annuity offering a bail-out rate

Company Ratings:  

• NR - Not Rated by A.M. Best 
• S - Substantial from Demotech

Interest Rates Available:

3 Year Term:

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

5 Year Term:

• 4.85% with 10% free withdrawals 
• 4.95% removes 10% free withdrawals
• 5.10% removes rate lock and adds bail out
• 5.20% 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 
• 5.15% removes rate lock and adds bail out  
• 5.25% remove 10% free withdrawals | removes rate lock and adds bail out

10 Year Term:

• 4.95% with 10% free withdrawals
• 5.05% removes 10% free withdrawals 
• 5.20% removes rate lock and adds bail out  
• 5.30% remove 10% free withdrawals | removes rate lock and adds bail out

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: 

• AL, AZ, AR, DC, GA, IN, IL, KY, OH, PA, TN, TX, UT

Free Withdrawal: 

• 10% per year unless rider is selected
• 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)