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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

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

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

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