Fixed Annuity offering a bail-out rate

Company Ratings:  

• (NR) - Not Rated by AM Best 
• (A) -  Exceptional, from Demotech, Inc |  This rating is considered exceptional and is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing. 

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, GA, ID, IL, IN, IA, KY, LA, ME, MA, MD, MI, MO, MS, MT,
  NE, NV, ND, NH, NJ, NM, OH, 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)