Multi-Year Guarantee Annuity

Company Ratings:

• (A) by AM Best 
• (C+) by Weiss

Interest Rate Options:

• 3 Year:
  4.90% ($100,000+)
  4.80% ($10K - $99.99K)
• 5 Year:
  5.35% ($100,000+)
  5.25% ($10K - $99.99K)
• 9 Year:
  5.50% ($100,000+)
  5.40% ($10K - $99.99K)

Minimum Guarantee Rate After Initial Term:

• 2.75% as of 07/01/2025

Surrender Charges Renew - 30 day exit window PRIOR to end of term:

• 3 year period: 8.5%, 7.5%, 6.5%, 
• 5 year period: 8.5%, 7.5%, 6.5%, 5.5%, 4.5%
• 9 year period: 8.5%, 7.5%, 6.5%, 5.5%, 4.5%, 3.5%, 2.5%, 1.5%, 0.50%
• Surrender Charges do not have an MVA

Minimum Deposit:

• $10,000

Maximum Premium 

• $1,000,000 however premiums of $500,000+ need approval

Issue Age:

• 0-85 Non Qualified
• 16 - 85 Qualified

Approved ONLY in:

• CA

Free Withdrawal:

• May withdraw any remaining accrued interest earned from the Issue Date
• May request a partial withdrawal of at least $500 at any time prior to the maturity date as long as your Account Value does not fall below $10,000 
• Monthly Systematic Interest Available

Death Benefits:

• Full Death Benefit if owner and annuitant are same.
  Surrender Value if owner is not annuitant over age 75
• Confinement Terminal Illness Waivers

Commission:

• 3 Year: 1.75% (18-75) 1.45% (76-85) 
• 5 Year: 2.00% (18-75) 1.70%  (76-85) 
• 9 Year: 2.25% (18-75) 2.00% (76-85) 

Company Ratings:

• (A) by AM Best 
• (C+) by Weiss

Interest Rate Options:

• 3 Year:
  5.00% ($100,000+)
  4.90% ($10K - $99.99K)
• 5 Year:
  5.45% ($100,000+)
  5.35% ($10K - $99.99K)
• 10 Year:
  5.60% ($100,000+)
  5.50% ($10K - $99.99K)
• California rates lower click here

Minimum Guarantee Rate After Initial Term:

• 2.75% as of 07/01/2025

Surrender Charges with MVA & 30 day exit window PRIOR to end of term:

• 3 year period: 9%, 8%, 7%, 
• 5 year period: 9%, 8%, 7%, 6%, 5%, 
• 10 year period: 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0.5%

Minimum Deposit:

• $10,000 

Maximum Premium 

• $1,000,000 however premiums of $500,000+ need approval

Issue Age:

• 18-85 Non Qualified | IRA | Roth IRA
• 21 - 85 SEP IRA 

Approved in all states except:

• AK, AL, HI, LA, MA, NH, NY
• California rates lower click here

Free Withdrawal:

• May withdraw any remaining accrued interest earned from the Issue Date
• May request a partial withdrawal of at least $500 at any time prior to the maturity date as long as your Account Value does not fall below $10,000 
• Monthly Systematic Interest Available

Death Benefits:

• Full Death Benefit

Maturity Date:

• The Maturity Date is the Certificate Anniversary after the Annuitant’s  70th birthday or ten years after issue, whichever is later. The Owner can elect an Optional Maturity Date later than the  above Maturity Date. If no request is received 31 days prior to the  Maturity Date above, a Maturity Date of the Annuitant’s age 115 will be automatically selected 

Commission:

• 3 Year: 1.75% (18-75) 1.45% (76-85)
• 5 Year: 2.00% (18-75) 1.70%  (76-85)
• 10 Year: 2.25% (18-75) 2.00% (76-85)