Fixed Annuities and Life Insurance FSD Financial Services Division

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Enhanced Rate MYGA Terms

3, 5, 7 or 9 Years guaranteed interest Terms

Enhanced Rate - Limited Features

Features of these walk away at end of term MYGA's:


Interest Rate Term Choices:

  • 3 Year Term:
    2.15% For 3 Years  
  • 5 Year Term:
    3.00% For 5 Years 
  • 7 Year Term:
    3.00% For 7 Years
  • 9 Year Term:
    3.05% For 9 Years

Surrender Charges: 

  • 3 Year Rate Term: 7.9%, 7.0%, 6.2%, 0.0% Thereafter  
  • 5 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 0.0% Thereafter 
  • 7 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 3.5%, 2.7%, 0.0% Thereafter 
  • 9 Year Rate Term: 7.9%, 7.0%, 6.2%, 5.3%, 4.4%, 3.5%, 2.7%, 1.8%, 0.9%, 0.0% Thereafter
    +/- MVA during selected term | (No MVA in PA & MO)

Minimum Deposit: 

  • $10,000 

Issue Age: 

  • 3 Year Term: 0-90 (75 in CA and FL) 
  • 5 Year Term: 0-90 (75 in CA and FL)
  • 7 Year Term: 0-85 (70 in CA and FL)
  • 9 Year Term: 0-80 (65 in CA and FL)

States NOT approved in: 

  • DE, NY

Free Withdrawal: 

  • NONE - NO PENALTY FREE WITHDRAWALS FOR ANY REASON (INCLUDING RMDs) DURING SURRENDER CHARGE PERIOD; THEREAFTER, 100% LIQUID

Death Benefits: 

  • Surrender Value. Surviving spouses may elect to continue the policy as their own and avoid surrender charges. Non-spousal beneficiaries may reduce or avoid charges by deferring payment or taking a periodic income.
  • CA Only Death Benefit: equals Accumulation Value for policies issued ages 65 and above.
    FL Only Death Benefit:
    equals Accumulation Value for policies issued at all ages.

Commission Based On Term:

  • 3 Year Term: 2.00% All Issue Ages 
  • 5 Year Term: 2.25% All Issue Ages
  • 7 Year Term: 2.50% All Issue Ages
  • 9 Year Term: 2.75% All Issue Ages

Carrier Ratings: 

  • B++ by A.M. Best (3 ratings upgrades since 2012! and positive outlook)

Waivers: 

  • None


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We focus on the guarantees, not the assumptions!

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FSD Financial Services Fixed Annuities and Life

28720 Roadside Drive, #126 Agoura Hills, California 91301, United States

(800) 373-9697

FSD Financial Services - CA Insurance License #0B67385 - Non Resident Licensed in AL, AZ, CO, CT, FL, HI, GA, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, UT, VA, WA, WI


Copyright © 2020 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti

FOR AGENT USE ONLY - CA Insurance License #0B67385

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