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1 Product Many guaranteed interest rate Options

Basic Details & Features

Interest Based on Initial Premium

  • 5 Year Term:
    2.80% (Premiums $100,000+)
    2.70% ($5,000 - $99,999)
  • 6 Year Term:  
    2.85% (Premiums $100,000+)
    2.75% ($5,000 - $99,999)
  • 7 Year Term:  
    2.84% (Premiums $100,000+)
    2.74% ($5,000 - $99,999) 
  • 8 Year Term:  
    2.75% (Premiums $100,000+)
    2.65% ($5,000 - $99,999)
  • 9 Year Term:  
    2.82% (Premiums $100,000+)
    2.72% ($5,000 - $99,999)
  • 10 Year Term:  
    2.85% (Premiums $100,000+)
    2.75% ($5,000 - $99,999)
  • New York rates are  Lower 

Initial Interest Rate Guaranteed Periods: 

  • 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:

  • 0-85 

States NOT approved in: 

  • UT

Free Withdrawal: 

  • Annual 10% Penalty Free Withdrawals after the first year. Interest available after 30 days.

Death Benefits: 

  • Full Death Benefit - Waivers

Commission all terms:

  • 2.50% (0-79) | 0.50% (80-85)

Company Ratings: 

  • A by A.M. Best 

REQUEST AN AGENT KIT

Get started here!

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