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  • Home
  • Deferred Annuity
    • MYGA Rates
    • Request A MYGA Quote
    • Split Annuity Quote
    • Savings Comparison Quote
    • Annuity Commissions
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • SPIA With Liquidity
    • Medically Underwritten
    • Types Of SPIA
    • SPIA Commission
  • FIA
    • Fixed Indexed Annuities
    • FIA Quote Request
  • Life
    • Single Primum IUL Info
    • Life Insurance Quotes
    • Life Insurance Commission
    • SPWL Quotes
  • Agent Area
    • Deferred Rate Sheets
    • Indexed Rate Sheets
    • Agent Appointment
    • Annuity webinars training
    • FSD-Spreads-Downloads
    • Specimen Contracts
    • Qualified Plan Options
    • Rewards/Contest
    • News Keep Aware Of
  • About Us
    • Who we are
    • Contact Us
    • Annuity Blog By Jeff
    • Disclaimer - Terms Of Use

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Quick Links:

No Surrender | 2 year low initial premium | 2 year low surrender 

3 year surrender |  5 year high minimum | 8 year flexible premium

5 Year Mega Rate |  Christian Fraternal

5 Year Flexible Premium Annuity

5 Year FPDA

FPDA with high minimum guarantee

Current Interest Rate: 

  • 4.60% 1st year
  • 4.00% base rate

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

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
  • 0.25%: FLEX years 2 - 5

Get An Agent Kit

Mega Flex

Current Interest Rate: 

  • 5.57% 1st year
  • 5.57% base rate

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

Surrender Charges: 

  • 9%, 9%, 8%, 7%, 6%, 0% - NO MVA 

Minimum Deposit: 

  • $10,000 minimum
  • $875,000 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  

Death Benefits:

  • Full Death Benefit 

Commission:

  • 2.50%: 0 - 80
  • 1.50%: 81 - 85
  • 1.00%: 86 - 90
  • 0.50% 91 - 95
  • 0.25%: FLEX years 2 - 5

Agent Kit

2 Year Flexible Premium Annuity

2 Year FPDA

2 Year FPDA | High Minimum Guarantee | Low Commission

 Current Interest Rate: 

  • 4.60% 1st year
  • 4.00% base rate

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

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+ 

Find out more

2 Year Low Surrender FPDA

"LIQUID 2" 2 Year FPDA

2 Year FPDA | Very Low 1/2% Ssurrender

 Current Interest Rate: 

  • 3.60% 1st year
  • 3.25% non-guarantee renewal rate year 2 

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

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+

Find out more

3 Year Flexible Premium Annuity

" Titanium 3" FPDA

3 Year FPDA | Strong Minimum Guarantee

 Current Interest Rate: 

  • 4.35% 1st year
  • 3.75% non- guarantee renewal rate years 2-3

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

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
  • 0.25% on FLEX  years 2 +

Find out more

8 Year Flexible Premium Annuity

8 Year FPDA

8 Year FLEX | High Minimum Guarantee

Current Interest Rate: 

  • 4.85% 1st year
  • 4.50% non- guarantee renewal rate years 2-8

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

Surrender Charges: 

  • 7%, 6%, 5%, 5%, 4%, 3%, 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 – 8 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 - 8

Get An Agent Kit

8 Year FLEX | LOW INITIAL PREMIUM

Current Interest Rate: 

  • 6.35% 1st year
  • 4.00% base rate

Rate Guaranteed Period: 

  • 1 Year

Minimum Guarantee Rate: 

  • 2.80%

Surrender Charges: 

  • 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% - NO MVA 

Minimum Deposit: 

  • $300 minimum
  • $4,999 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 – 8 year minimum 
  • Additional deposits do not reset penalty
  • Nursing Home Qualified  

Death Benefits:

  • Full Death Benefit 

Commission:

  • 3.00%: 0 - 80
  • 2.00%: 81 - 85
  • 1.50%: 86 - 90
  • 1.00% 91 - 95
  • 0.75%: FLEX years 2 - 8

Get An Agent Kit

The Fully Liquid Fixed Annuity

LIQUID FPDA - This is a true no surrender annuity.

Liquid and Flexible For Non-Profit Organizations & Not for Profit Organizations

Current Interest Rate: 

  • 3.75% 

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

Get An Agent Kit

Great starter annuity, open with as little as $250.00

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Get An Agent Kit For Fraternal Annuities

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Get An Agent Kit For Mega Fraternal Annuities

Get An Agent Kit For Mega Fraternal Annuities

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FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

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