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Current Interest Rate: 

• 3.75% 1st year
• 3.00% base rate

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 1.75%

Surrender Charges: 

• 5%, 4% , 2% ,2% ,1% ,0% - NO MVA 

Minimum Deposit: 

• $5,000 minimum
• $1,000,000 maximum 

Issue Age: 

• 0 - 95 

States ONLY approved in:  

• AZ, CO, CT, FL, IL, IN, MD, NJ, NV, MI, OH, PA, RI, VA, TX, WI, WV 

Free Withdrawal: 

• Interest W/D After 30 Days
• 10% of cash value at 1st anniversary (contractual) 
• plus 5% of cash value at 1st anniversary (fraternal benefit) 
• RMD for qualified plans
• Death of annuitant
• Annuitization – 5 year minimum 
• Additional deposits do not reset penalty
• Nursing Home Qualified  

Death Benefits:

• Full Death Benefit 

Commission:

• 2.50%: 0 - 80
• 1.50%: 81 - 85
• 1.00%: 86 - 90
• 0.50% 91 - 95
• 0.50%: FLEX years 2 - 5

 Current Interest Rate: 

• 2.25% 1st year
• 2.00% base rate

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 1.25%

Surrender Charges: 

• 4%, 4% ,0% - NO MVA 

Minimum Deposit: 

• $5,000 minimum
• $400,000 maximum 

Issue Age: 

• 0 - 95

States ONLY approved in:  

• AZ, CO, CT, FL, IL, IN, MD, NJ, NV, MI, OH, PA, RI, VA, TX, WI, WV

Free Withdrawal: 

• Interest W/D After 30 Days
• 10% of cash value at 1st anniversary (contractual) 
• plus 5% of cash value at 1st anniversary (fraternal benefit) 
• RMD for qualified plans
• Death of annuitant
• Annuitization – 2 year minimum 
• Additional deposits do not reset penalty
• Nursing Home Qualified  

Death Benefits:

• Full Death Benefit 

Commission:

• 0.25%: 0 - 95
• 0.15% on FLEX  years 2+ 

 Current Interest Rate: 

• 1.75% 1st year
• 1.50% non-guarantee renewal rate year 2 

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 1.00%

Surrender Charges: 

• 0.5%, 0.5% , 0% - NO MVA 

Minimum Deposit: 

• $5,000 minimum
• $500,000 maximum 

Issue Age: 

• 0 - 95

States ONLY approved in:  

• AZ, CO, CT, FL, IL, IN, MD, NJ, NV, MI, OH, PA, RI, VA, TX, WI, WV

Free Withdrawal: 

• Interest W/D After 30 Days
• 10% of cash value at 1st anniversary (contractual) 
• plus 5% of cash value at 1st anniversary (fraternal benefit) 
• RMD for qualified plans
• Death of annuitant
• Annuitization – 3 year minimum 
• Additional deposits do not reset penalty

Death Benefits:

• Full Death Benefit 

Commission:

• 0.25%: 0 - 95
• 0.15% on FLEX  years 2+

 Current Interest Rate: 

• 2.50% 1st year
• 2.25% non- guarantee renewal rate years 2-3

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 1.50%

Surrender Charges: 

• 5.0%, 4.0% , 2.0% - NO MVA 

Minimum Deposit: 

• $5,000 minimum
• $500,000 maximum 

Issue Age: 

• 0 - 95

States ONLY approved in:  

• AZ, CO, CT, FL, IL, IN, MD, NJ, NV, MI, OH, PA, RI, VA, TX, WI, WV

Free Withdrawal: 

• Interest W/D After 30 Days
• 10% of cash value at 1st anniversary (contractual) 
• plus 5% of cash value at 1st anniversary (fraternal benefit) 
• RMD for qualified plans
• Death of annuitant
• Annuitization – 3 year minimum 
• Additional deposits do not reset penalty

Death Benefits:

• Full Death Benefit 

Commission:

• 0.75%: 0 - 95
• 0.15% on FLEX  years 2 +

Current Interest Rate: 

• 2.00% 

Rate Guaranteed Period: 

• 1 Year

Minimum Guarantee Rate: 

• 1.00%

Surrender Charges: 

• NONE - 0% - NO MVA 
• 100% commission chargeback on year 1 withdrawals 

Minimum Deposit: 

• $1,000 minimum
• $100,000 maximum annually 

Issue Age: 

• N/A Entity Owners Non-Profit & Not for Profit Organizations 

States ONLY approved in:  

•  AZ, CO, CT, FL, IL, IN, MD, NJ, MI, OH, PA, RI, VA, TX, WV

Free Withdrawal: 

• 100% Liquid - withdraw partial or full funds through one withdrawal per quarter
• Must maintain at least a $1,000 balance to keep policy in-force. 

Death Benefits:

• N/A 

Commission:

• 0.75% - 100% Chargeback on withdrawals in year 1