Signed in as:

filler@godaddy.com

5, 6, 7, 10 or 20 year guaranteed interest rate annuity.

image27

Basic Details & Features

Interest Rates:
Rates are 0.10% lower in Florida and include full death benefit.  

  • 5 Year:  
    4.80% Year 1
    3.80% Years 2-5
    (4.00% over the 5 years) 
  • 6 Year:  
    4.95% Year 1
    3.95% Years 2-6
    (4.12% over the 6 years) 
  • 7 Year:  
    5.05% Year 1
    4.05% Years 2-7
    (4.19% over the 7 years) 
  • 10 Year:
    5.20% Year 1
    4.20% Years 2-10
    (4.30% over the 10 Years)
  • 20 Year:
    3.60% - Years 1-5
    4.10%  - Years 6-10
    4.60%  - Years 11-15
    5.10%  - Years 16-20
    (4.35% over the 20 Years)

Interest Rate Guaranteed Period:

  • 5, 6 7, 10 or 20 Years 

Surrender Charges Recurring +/- MVA:

  • 5 Year: 9%, 8%, 7%, 6%, 5%* 
  • 6 Year: 9%, 8%, 7%, 6%, 5%, 5%*
  • 7 Year: 9%, 8%, 7%, 6%, 5%, 5%, 5%* 
  • 10 Year: 9%, 8%, 7%, 6%, 5%, 5%, 5%, 5%, 5%, 5%*
  • 20 Year: 9%, 8%, 7%, 6%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%, 5%*
    *30 day window: During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment. Renewal surrender charge are different see specimen contract for details  

Minimum Deposit: 

  • $5,000 to $1,000,000 for qualified and non-qualified 

Issue Age: 

  • 0-90 on 5,6,7 and 10 year
    Age 86+ must add death benefit rider on 5-10 terms. 
  • 0-75 on 20 year
    Age 70+ must add death benefit rider on the 20 term. 
  • Issue ages may be lower in certain states 

States ONLY approved in

  • AL, AR, AZ, CO, FL, GA, IA, IN, IL, KY, LA, MD, MS, MO, NM, NE, NC, OK, OR, SC, TN, TX, UT, VA, WV 
  • See state specific brochures for more details

Free Withdrawal:

  • Only if the additional rider is select, otherwise subject to a surrender charge.

Death Benefits:

  • If the optional Death Benefit Feature is not selected the Death Benefit is equal to the Cash Surrender Value in a lump sum, or the Full Account Value in annual payments over a 5 year period. If your spouse is named as the sole, primary beneficiary they may elect to become the owner of the contract and continue it for the remainder of your term. Additional payout options may also be available. 
  • FL Only: Death Benefit equals Accumulation Value for policies issued at all ages. Rates are lower in Florida to include the full death benefit.

Optional Riders:
(Death Benefit Rider is required for Issue Ages 86-90** and 70-75 on the 20 year)

  • Preferred 10% Free Withdrawal minus 0.15% from interest rate
  • Death Benefit Feature: minus 0.25% from interest rate (Required ages 86+)
  • Accumulated Interest Withdrawal: minus 0.05% from interest rate

Company Rating

  • "B++" by A.M. Best 

Commissions:

  • 5 and 6 Year: 2.00% (0-80) and 1.00% (81-90)
  • 7 and 10 Year: 2.25% (0-80) and 1.15% (81-90)
  • 20 Year: 2.75% (0-75)

Would you like more information on this MYGA?

Get started here!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

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