Multi-Year Guarantee Annuity

Company Ratings:

• "A" by A.M. Best

Interest Rate Options:

• 3 Year: 2.00% ($100,000+)
• 5 Year: 2.70% ($100,000+)
• 9 Year: 2.90% ($100,000+)
• rates are 0.10% lower under $100,000

Guaranteed Periods To Choose From:

• 3 Years, 5 Years or 9 Years

Surrender Charges - NO MVA:

• 3 year period: 8%, 7%, 6%, then a 30 day exit window
• 5 year period: 8.5%, 7.5%, 7%, 6%, 4%, 0% Thereafter
• 9 year period: Call for info

Minimum Deposit:

• $50,000 on the 3 year
• $10,000 on the 5 year
• $5,000 on the 9 year

Maximum Premium 

• $300,000 without approval

Issue Age:

• 0-85 Non Qualified
• 16 - 85 Qualified

Approved ONLY in:

• CA

Free Withdrawal:

• Monthly Interest Available If the accumulation value of the certificate is at least $20,000, you may elect to automatically receive your interest earnings every month. 

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: 1.50% (16-75) 1.00% (76-85)
• 5 Year: 2.00% (16-75) 1.70%  (76-85)
• 6 Year: 2.75% (16-75) 1.45% (76-85)
  (6 year has a reduced commission on premiums $5,000 - $19.999.99)

Company Ratings:

• "A" by A.M. Best

Interest Rate Options:

• 3 Year:
  2.10% ($100,000+)
  2.85% ($10K - $99.99K)
• 5 Year:
  2.80% ($100,000+)
  2.70% ($10K - $99.99K)
• 10 Year:
  3.00% ($100,000+)
  2.90% ($10K - $99.99K)

Guaranteed Periods To Choose From:

• 3 Years, 5 Years or 10 Years

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 

• $500,000 without approval

Issue Age:

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

Approved in all states except:

• AK, AL, CA, DE, HI, LA, MA, MT, NH, NY

Free Withdrawal:

• Monthly Interest Available If the accumulation value of the certificate is at least $20,000, you may elect to automatically receive your interest earnings every month. 

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)