MYGA Product - A+ rated

Carrier Ratings: 

• (A+) by AM Best 
• (A+) by Standard & Poor's 
• (A1) by Moody's
• (B) by Weiss
• (90) Comdex

MVA Interest Rate Guarantee:

• 3 Year
  4.90% For 3 Years ($100,000+) (MVA)
  4.60% For 3 Years ($25K - $99.9K) (MVA) 
• 5 Year
  5.00% For 5 Years ($100,000+) (MVA)
  4.70% For 5 Years ($25K - $99.9K) (MVA) 

NON-MVA Interest Rate Guarantee:

• 3 Year
  4.50% For 3 Years ($100,000+) (Non-MVA)
  4.20% For 3 Years ($25K - $99.9K) (Non-MVA) 
• 5 Year
  4.60% For 5 Years ($100,000+) (Non-MVA)
  4.30% For 5 Years ($25K - $99.9K) (Non-MVA) 

Surrender Charges: MVA or Non-MVA:  

• 3 Year: 7%, 7%, 7%, 0% thereafter
• 5 Year: 7%, 7%, 7%, 6%, 5%, 0% thereafter

Minimum Premium: 

• $25,000

Maximum Premium 

• $2,000,000 (0-70)
• $1,500,000 (71-75)
• $1,000,000 (76-80)
• $500,000 (81-85)
• $250,000 (86-90)

Issue Age: 

• 0-90

States NOT approved in: 

• NY

,Free Withdrawal:

• 10% Free Withdrawal starting year 2
•  Systematic withdrawals are available based on current company practice

Death Benefits:

• Full Contract Value Death Benefit 

Waivers: 

• Nursing home 
• Terminal illness 

Commission:

• 3 Year:
  1.30% (0-80)
  1.00% (81-85)
  0.60% (86-90)

• 5 Year:
  2.00% (0-80)
  1.55% (81-85)
  0.90% (86-90)