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

• Interest Rate Term Choices:
  3 Year Term: 2.90% For 3 Years  
  5 Year Term: 3.55% For 5 Years
  7 Year Term: 3.65% For 7 Years
  9 Year Term: 3.75% 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: 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!)
• Waivers: None