Company Ratings:
Interest Based on Initial Premium | New York rates are lower
- 3 Year Term:
4.80% (Premiums $250,000+)
4.65% (Premiums $100,000 - $249,999+)
4.55% ($5,000 - $99,999)
- 5 Year Term:
5.55% (Premiums $250,000+)
5.40% (Premiums $100,000 - $249,999+)
5.30% ($5,000 - $99,999)
- 6 Year Term:
5.55% (Premiums $250,000+)
5.40% (Premiums $100,000 - $249,999+)
5.30% ($5,000 - $99,999)
- 7 Year Term:
5.55% (Premiums $250,000+)
5.40% (Premiums $100,000+)
5.30% ($5,000 - $99,999)
- 8 Year Term:
5.45% (Premiums $250,000+)
5.30% (Premiums $100,000+)
5.20% ($5,000 - $99,999)
- 9 Year Term:
5.45% (Premiums $250,000+)
5.30% (Premiums $100,000+)
5.20% ($5,000 - $99,999)
- 10 Year Term:
5.35% (Premiums $250,000+)
5.20% (Premiums $100,000+)
5.10% ($5,000 - $99,999)
Initial Interest Rate Guaranteed Periods:
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:
Issue Age:
States NOT approved in:
- UT, (New York rates are lower)
Free Withdrawal:
- Annual 10% Penalty Free Withdrawals. CA only interest available year 1.
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)