"A" Rated MYGA Option

Interest Based on Initial Premium

• 3 Year Term:
  2.10% (Premiums $250,000+)   
  1.95% (Premiums $100,000 - $249,999+)  
  1.85% ($5,000 - $99,999) 
• 5 Year Term:
  2.25% (Premiums $250,000+)  
  2.10% (Premiums $100,000 - $249,999+)
  2.00% ($5,000 - $99,999)
• 6 Year Term:  
  2.45% (Premiums $250,000+)
  2.35% (Premiums $100,000+)
  2.20% ($5,000 - $99,999)
• 7 Year Term:  
  2.45% (Premiums $250,000+)
  2.30% (Premiums $100,000+)
  2.20% ($5,000 - $99,999) 
• 8 Year Term:  
  2.45% (Premiums $250,000+)
  2.30% (Premiums $100,000+)
  2.20% ($5,000 - $99,999)
• 9 Year Term:  
  2.55% (Premiums $250,000+)
  2.40% (Premiums $100,000+)
  2.30% ($5,000 - $99,999)
• 10 Year Term:  
  2.55% (Premiums $250,000+)
  2.40% (Premiums $100,000+)
  2.30% ($5,000 - $99,999)
• New York rates are  Lower 

Initial Interest Rate Guaranteed Periods: 

• 3 Year 
• 5 - 10 Years

Surrender Charges:  

• 30 Day Free exit window at end of the initial term or surrender charge continues with the maximum 10 years:
  8% Year 1
  8% Year 2
  8% Year 3
  7% Year 4
  6% Year 5
  5% Year 6
  4% Year 7
  3% Year 8
  2% Year 9
  1% Year 10
  0% Years 11+

Minimum Deposit: 

• $5,000 for Low Band $100,000 for High Band

Issue Age:

• 0-90

States NOT approved in: 

• UT, NY

Free Withdrawal: 

• Annual 10% Penalty Free Withdrawals. CA only interest available year 1.

Death Benefits: 

• Full Death Benefit - Waivers

Commission:

• 5 - 10 year: 2.50% (0-79) | 0.50% (80-90)
• 3 year: 1.50% (0-79) | 0.50% (80-90)

Company Ratings: 

• A by A.M. Best