"A" Rated MYGA Option

Company Ratings: 

• (A) by AM Best 
• (A) by Standard & Poor's 
• (B) by Weiss
• (76) Comdex

Interest Based on Initial Premium | New York rates are lower 

• 3 Year Term:
  4.95% ($250,000+)
  4.80% ($100,000 - $249,999)  
  4.70% ($5,000 - $99,999) 
• 5 Year Term:
  5.40% ($250,000+)   
  5.25% ($100,000 - $249,999)  
  5.15% ($5,000 - $99,999) 
• 6 Year Term:  
  9.70% Year 1 - 4.70% 2-6 (5.52%) ($250,000+)   
  9.55% Year 1 - 4.55% 2-6 (5.36%) ($100,000 - $249,999)  
  9.45% Year 1 - 4.45% 2-6 (5.26%) ($5,000 - $99,999) 
• 7 Year Term:  
  5.45% ($250,000+)  
  5.30% ($100,000 - $249,999)  
  5.20% ($5,000 - $99,999) 
• 8 Year Term:  
  5.30% ($250,000+)  
  5.15% ($100,000 - $249,999)  
  5.05% ($5,000 - $99,999) ) 
• 9 Year Term:  
  5.30% ($250,000+)  
  5.15% ($100,000 - $249,999)  
  5.05% ($5,000 - $99,999) ) 
• 10 Year Term:  
  5.30% ($250,000+)  
  5.15% ($100,000 - $249,999)  
  5.05% ($5,000 - $99,999) ) 

Surrender Charges:  

30 Day Free exit window at end of the initial term or surrender charge continues with the maximum 10 years:

• 3 Year: 8%, 8%, 8% (30 day exit) or 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Years 11+
• 5 Year: 8%, 8%, 8%, 7%, 6%, (30 day exit) or 5%, 4%, 3%, 2%, 1%, 0% Years 11+
• 6 Year: 8%, 8%, 8%, 7%, 6%, 5%, (30 day exit) or 4%, 3%, 2%, 1%, 0% Years 11+
• 7 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, (30 day exit) or 3%, 2%, 1%, 0% Years 11+
• 8 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, (30 day exit) or 2%, 1%, 0% Years 11+
• 9 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2% (30 day exit) or, 1%, 0% Years 11+
• 10 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Years 11+

Minimum Deposit: 

• $5,000 

Issue Age:

• 0-90

States NOT approved in: 

• UT, (New York rates are lower)

Free Withdrawal: 

• Annual 10% Penalty Free Withdrawals. 

Death Benefits: 

• Full Death Benefit - Waivers

Commission:

• 3 year: 1.50% (0-80)  | 0.75% (81-85) |  0.40% (86-90) 
• 5 year: 2.50% (0-80) | 1.25% (81-85) |  0.65% (86-90) 
• 6 year: 2.50% (0-80) | 1.25% (81-85) |  0.65% (86-90) 
• 7 year: 2.75% (0-80)  | 1.40% (81-85) |  0.70% (86-90) 
• 8 year: 2.85% (0-80)  | 1.45% (81-85) |  0.70% (86-90) 
• 9 year: 2.85% (0-80)  | 1.45% (81-85) |  0.70% (86-90) 
• 10 year: 3.00% (0-80) | 1.50% (81-85) |  0.75% (86-90) 

Company Ratings: 

• (A) by AM Best 
• (A) by Standard & Poor's 
• (B) by Weiss
• (76) Comdex

Interest Based on Initial Premium | New York rates are lower 

• 3 Year Term:
  5.10% ($250,000+)
  4.95% ($100,000 - $249,999)  
  4.85% ($5,000 - $99,999) 
• 5 Year Term:
  5.55% ($250,000+)   
  5.40% ($100,000 - $249,999)  
  5.30% ($5,000 - $99,999) 
• 6 Year Term:  
  9.85% Year 1 - 4.85% 2-6 (5.67%) ($250,000+)   
  9.70% Year 1 - 4.70% 2-6 (5.51%) ($100,000 - $249,999)  
  9.60% Year 1 - 4.60% 2-6 (5.41%) ($5,000 - $99,999) 
• 7 Year Term:  
  5.60% ($250,000+)  
  5.45% ($100,000 - $249,999)  
  5.35% ($5,000 - $99,999) 
• 10 Year Term:  
  5.45% ($250,000+)  
  5.30% ($100,000 - $249,999)  
  5.20% ($5,000 - $99,999) 

Surrender Charges:  

30 Day Free exit window at end of the initial term or surrender charge continues with the maximum 10 years:

• 3 Year: 8%, 8%, 8% (30 day exit) or 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Years 11+
• 5 Year: 8%, 8%, 8%, 7%, 6%, (30 day exit) or 5%, 4%, 3%, 2%, 1%, 0% Years 11+
• 6 Year: 8%, 8%, 8%, 7%, 6%, 5%, (30 day exit) or 4%, 3%, 2%, 1%, 0% Years 11+
• 7 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, (30 day exit) or 3%, 2%, 1%, 0% Years 11+
• 10 Year: 8%, 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Years 11+

Minimum Deposit: 

• $5,000 

Issue Age:

• 0-90

States NOT approved in: 

• UT, (New York rates are lower)

Free Withdrawal: 

• Interest ONLY Free Withdrawals
• RMD Friendly 

Death Benefits: 

• Full Death Benefit - Waivers

Commission:

• 3 year: 1.50% (0-80)  | 0.75% (81-85) |  0.40% (86-90) 
• 5 year: 2.50% (0-80) | 1.25% (81-85) |  0.65% (86-90) 
• 6 year: 2.50% (0-80) | 1.25% (81-85) |  0.65% (86-90) 
• 7 year: 2.75% (0-80)  | 1.40% (81-85) |  0.70% (86-90) 
• 10 year: 3.00% (0-80) | 1.50% (81-85) |  0.75% (86-90)