FIXED INDEX ANNUITIES - Quick Links

Company Ratings:

• "A-" Rated By AM Best 

5 Year - S&P 500® Price Return Options:

• 40.00% Annual Point-to-Point Par Rate
• 11.00% Annual Point-to-Point Cap
• 155% Horizon Ascend 5%® Index 
• 3.50% Monthly Sum Cap
• 5.25% Fixed Rate

7 Year - S&P 500® Price Return Options:

• 43.00% Annual Point-to-Point Par Rate
• 11.50% Annual Point-to-Point Cap
• 160% Horizon Ascend 5%® Index 
• 3.50% Monthly Sum Cap
• 5.25% Fixed Rate

10 Year No Bonus - S&P 500® Price Return Options: 

• 45.00% Annual Point-to-Point Par Rate
• 12.00% Annual Point-to-Point Cap 
• 160% Horizon Ascend 5%® Index 
• 3.50% Monthly Sum Cap 
• 5.25% Fixed Rate

10 Year With PREMIUM BONUS - S&P 500® Price Return Options:

• 35.00% Annual Point-to-Point Par Rate 
• 10.75% Annual Point-to-Point Cap
• 120% Horizon Ascend 5%® Index 
• 3.50% Monthly Sum Cap
• 5.25% Fixed Rate

Issue Ages:

• 0-90 for 5 and 7 Year (max 75 if adding GLBR on 7 Year)
• 0-80 for 10 Year 
• (max 75 if adding GLBR on 7 and 10 year)  

Surrender charge period: 

• 5 Year = 9%, 8%, 7%, 6%, 5%, 
• 7 Year = 9%, 8%, 7%, 6%, 5%, 4%, 3%
• 10 Year = 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%

Not available in: 

• AK, HI, ME, NY

Return of Premium:

• After the 5th contract year, any full surrender will return at least the amount of premium paid into the contract reduced by previous withdrawals. 

Features:

• RMD-friendly
• Free Partial Withdrawals
• Terminal Illness & Nursing Home Confinement Waiver of Surrender Charges & MVA
• Guaranteed Living Benefit Rider (GLBR) 
• Premium Bonus Rider on 10 year 
• Full death benefit

Commission: 

• 5 Year:
  3.00% (0-74)
  1.75% (75+)
• 7 Year:
  4.50% (0-74)
  2.25% (75+)
• 10 Year:
  6.50% (0-74)
  4.50% (75+)

Rates:

"In AK, PA & UT rates are lower"

S&P 500 annual point-to-point with cap:

• 10.00% Cap ($150,000+)
• 9.75% Cap ($10,000 - $149,999)

iShares® U.S. Real Estate annual point-to-point with cap:

• 9.25 Cap ($150,000+) 
• 9.00% Cap ($10,000 - $149,999)

iShares MSCI EAFE ETF annual point-to-point with cap:

• 8.75% Cap ($150,000+) 
• 8.50% Cap ($10,000 - $149,999)

Declared Rate:

• 3.80% ($150,000+) 
• 3.70% ($10,000 - $149,999)

Issue ages:

• 0–90 (qualified); 
• 0–90 (non-qualified) (85 in Texas)
• 0–75 (inherited IRA) & (inherited non-qualified)

Tax Qualifications:

• Non-qualified & qualified: 
• 403(b) (traditional and Roth), 
• IRA (traditional, Roth, SEP, SIMPLE and Inherited), 
• 457(b) and inherited non-qualified

Minimum initial premium:

• $50,000 non-qualified and qualified
• Maximum premium $1,000,000 ($500,000 age 86+)

3 Year surrender charge period:

• 9.00%, 8.00%, 7.00%, 0.00% Thereafter 
• During the first three contract years, MVA will also apply (not in AK, PA and UT) 

Free Withdrawals:

• 10% of the account value on the most recent contract anniversary
• RMD friendly

Waivers:

• Extended Care Waiver – 100% account value when criteria met 
• Terminal Illness Waiver – 100% account value when criteria met

Not Available In: 

• DE, NV, NY, VA

Choose 1 Time Commission or a Trail Commission: 

• 2.50% (0-75) or (Trial = 2.00% upfront & 0.25% Years 2+)
• 2.00% (76-85) or (Trial = 1.50% upfront & 0.25% Years 2+)
• 1.50% (86-90) or (Trial = 1.00% upfront & 0.25% Years 2+)