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5 Year FPDA

FPDA with high minimum guarantee

Current Interest Rate:

3.00% 1st year
3.00% base rate

Rate Guaranteed Period:

1 Year

Minimum Guarantee Rate:

2.25%

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 - 8

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2 Year FPDA

Low Initial Premium | Short Term | High minimum guarantee | Great for IRA

Current Interest Rate:

2.00% 1st year
2.00% base rate

Rate Guaranteed Period:

1 Year

Minimum Guarantee Rate:

1.75%

Surrender Charges:

5%, 4% , 0% - NO MVA

Minimum Deposit:

$300 minimum
$200,000 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:

0.75%: 0 - 95
No commission: 0.00% on FLEX years 2 - 8

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2 Year FPDA | High Minimum Guarantee | Low Commission

Current Interest Rate:

2.25% 1st year
2.25% base rate

Rate Guaranteed Period:

1 Year

Minimum Guarantee Rate:

1.75%

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

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8 Year FPDA

8 Year FLEX | High Minimum Guarantee

Current Interest Rate:

3.50% 1st year
3.50% base rate

Rate Guaranteed Period:

1 Year

Minimum Guarantee Rate:

2.50%

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

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8 Year FLEX | High Minimum Guarantee | Low Initial Premium

Current Interest Rate:

3.50% 1st year
3.60% base rate

Rate Guaranteed Period:

1 Year

Minimum Guarantee Rate:

2.00%

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

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LIQUID FPDA - This is a true no surrender annuity.

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

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:

Commission:

0.75% - 100% Chargeback on withdrawals in year 1

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5 Year Flexible Premium Annuity

5 Year FPDA

FPDA with high minimum guarantee

2 Year Flexible Premium Annuity

2 Year FPDA

Low Initial Premium | Short Term | High minimum guarantee | Great for IRA

2 Year FPDA | High Minimum Guarantee | Low Commission

8 Year Flexible Premium Annuity

8 Year FPDA

8 Year FLEX | High Minimum Guarantee

8 Year FLEX | High Minimum Guarantee | Low Initial Premium

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

Get An Agent Kit For Fraternal Annuities