Enhanced Rate MYGA Terms

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 ($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