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

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Basic Details & Features

  • Interest Rate:
    5 Year:  4.80% Year 1 then 3.80% Years 2-5 - (4.00% over the 5 years)
    6 Year:  4.95% Year 1 then 3.95% Years 2-6 - (4.12% over the 6 years)
    7 Year:  5.05% Year 1 then 4.05% Years 2-7 - (4.19% over the 7 years)
    10 Year: 5.20% Year 1 then 4.20% Years 2-10 - (4.30% over the 10 Years)
    Rates are 0.10% lower in Florida and include full death benefit.
  • Interest Rate Guaranteed Period: 5, 6 7 or 10 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%*
    *30 day window: During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment. 
  • Minimum Deposit: $5,000 to $1,000,000 for qualified and non-qualified 
  • Issue Age: 0-90 (lower in some states) Age 86+ must add death benefit rider.
  • 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 
  • Free Withdrawal: Subject to 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.
  • Optional Riders: (Death Benefit Rider is required for Issue Ages 86-90**)
    -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)

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FSD Financial Services Fixed Annuities and Life

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

(800) 373-9697