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5, 7 or 10 year guaranteed interest rate annuity

Basic Details & Features

Chose the 5, 7 or 10 year guaranteed interest rate option.

  • Interest Rates: Effective 10/08/2019
    3.70% For All 5 Years
    (3.60% in CA and FL*) (3.40% In MN**)
    3.80% For All 7 Years (3.70% in CA and FL*) (3.50 In MN**)
    3.90% For All 10 Years (3.80% in CA and FL*) (3.40 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).
  • Guaranteed Period: Choose from the 5, 7 or 10 year guaranteed term
  • Renewing Surrender Charges:
    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, IN, MA, MI, ME, MO, RI, TN, SC, NY, NJ, NH, VA, VT, 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) 
  • Optional Riders Lower Rate:
    (Death Benefit Rider is required for Issue Ages 86-90**)
    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%
    Death Benefit Feature Rate is - reduces interest rate by 0.35%*
    Accumulated Interest Withdrawal - reduces interest rate by 0.08%
  • Commissions:
    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
  • Company Ratings: B++ by A.M. Best 

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We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise 

FSD Financial Services Fixed Annuities and Life

5530 Corbin Ave, Suite 101, Tarzana, CA 91356, US

(800) 373-9697