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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:
    2.50% For 3 Years  
  • 5 Year Term:
    3.05% For 5 Years 
  • 7 Year Term:
    3.25% For 7 Years
  • 9 Year Term:
    3.40% For 9 Years

Guaranteed Periods: 

  • 5 Year, 7 Year or 9 Year Options To Choose From 

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 ($500,000 maximum without large case form) 

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, MN, NH, 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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Quality | Integrity | Expertise 

FSD Financial Services Fixed Annuities and Life

5530 Corbin Ave, Suite 101, Tarzana, CA 91356, US

(800) 373-9697