Multi-Year Guarantee Annuity

Company Ratings: 

• (B++) (w) by AM Best 
• (C-) by Weiss

Interest Rates: 

• 4.45% For All 3 Years
  (3.95% in CA*) (4.15% FL*)  (4.15% In MN**) 
• 4.65% For All 5 Years
  (4.20% in CA*) (4.40% FL*)  (4.35% In MN**) 
• 4.50% For All 7 Years
  (4.20% in CA*) (4.40% FL*)  (4.20% In MN**) 
• 4.35% For All 10 Years
  (4.05% in CA*) (4.25% FL*)  (3.85% In MN**) 

*Death Benefit Feature is required in California and Florida and is priced into the California and Florida rates. All California and Florida contracts are issued with the Death Benefit Feature. **Minnesota contracts do not include Market Value Adjustments (MVA).

Guarantee Periods: 

• Choose from the 3, 5, 7 or 10 year guaranteed term

Renewing Surrender Charges:

• For The 3 Year Term:
  9%, 8%, 7%, a 30 Day Window PRIOR To End Of Guarantee Period
• For The 5 Year Term:
  9%, 8%, 7%, 6%, 5% a 30 Day Window PRIOR To End Of Guarantee Period
• For The 7 Year Term:
  9%, 8%, 7%, 6%, 5%, 5%, 5% a 30 Day Window PRIOR To End Of Guarantee Period
• For The 10 Year Term:
  9%, 8%, 7%, 6%, 5%, 5%, 5%, 5%, 5%, 5% a 30 Day Window PRIOR To End Of Guarantee Period
  During the 30-day window owner can surrender the annuity with no surrender charges or market value adjustment.

Minimum Deposit:

• $2,500 to $1,000,000 for qualified and non-qualified

Issue Age: 

• 0-90 (lower in some state)

States NOT approved in: 

• AK, CT, MA, MI, ME, MO, NY, NJ, NH, TN, VA, VT, WA, WI, WV

Free Withdrawal: 

• None included subject to surrender charge.

Death Benefit: 

• Surrender charge on death unless optional rider selected.
  Death Benefit FL CA Only: Equals Accumulation Value for policies issued at all ages.
  (Death Benefit Rider is required for Issue Ages 86-90) 
• Selecting 5 year payout option can avoid surrender penalty

Optional Riders will lower rate by:

• (Death Benefit Rider is required for Issue Ages 86-90**) 
• Death Benefit Feature - reduces interest rate by 0.35%*
• Required Minimum Distribution - reduces interest rate by 0.16%
• Preferred 10% Free Withdrawal - reduces interest rate by 0.08%
• Terminal Illness/Nursing Home Care - reduces interest rate by 0.15%
• 72(t) Free Withdrawal - reduces interest rate by 0.05%
• Accumulated Interest Withdrawal - reduces interest rate by 0.08%

Commissions:

• 3 Year: 1.50% 0-80 / 1.00% 81-90
• 5 Year: 2.25% 0-80 / 1.50% 81-90
• 7 Year: 2.25% 0-80 / 1.50% 81-90
• 10 Year: 2.75% 0-80 / 2.00% 81-90