FSD Insurance Services - Independent Fixed Annuity & Life Insurance Wholesaler

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  • Home
  • Deferred Annuity
    • Request A MYGA Quote
    • Deferred Annuity Quotes
    • Split Annuity Quote
    • Calculator MYGA Compound
    • Annuity Ladder Calculator
    • Savings Comparison Quote
  • Immediate Annuity
    • Basic SPIA Quote Request
    • Detailed SPIA Quote Form
    • QLAC Illustrations
    • SPIA With Liquidity
    • Types Of SPIA
    • SPIA Commission
    • Certain Only Return Rate
    • Installment Refund Period
  • FIA
    • Fixed Indexed Annuities
    • FIA Quote Request
    • FIA crediting calculator
    • Standard Ins. FIA Toolkit
  • Life
    • Life Insurance Quotes
    • SPWL Quotes
    • Life Insurance Commission
    • WealthMax
    • Single Primum IUL Info
  • Agent Area
    • LICENSING & CONTRACTING
    • Annuity Calculators
    • Annuity webinars training
    • Carrier Contests & Bonus
    • FSD-Spreads-Downloads
    • Specimen Contracts
    • News Keep Aware Of
  • About Us
    • Who we are
    • Contact Us
    • Annuity Blog By Jeff
    • Disclaimer - Terms Of Use

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Traditional Deferred Annuity With Income Rider & Roll-Up

LIFETIME INCOME RIDER ON DEFERRED ANNUITY

Single Premium, Fixed, Deferred Annuity with a Lifetime Income Rider. 

The value of guaranteed income is becoming more mainstream. Life insurance agents have plenty of opportunity. Many of the best guaranteed income products are offered as insurance policies. An annuity income rider is a great fixed option for risk averse clients to lock-in a fixed and guaranteed income now. Using an insurance policy, agents can display the awesome guarantees offered in a basic format and language these clients will understand. 


  • Guaranteed lifetime @ 9.00% income base roll-up rate plus: 
  • Guaranteed fixed rates declared each year
  • Guaranteed lifetime income benefit guarantees future income
  • Guaranteed minimum surrender value 
  • Base Commission: 5.00% (0-75) & 3.00 (76-80)

REQUEST AN AGENT KIT

SPDA With Income Rider

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We focus on the guarantees, not the assumptions!

Quality | Integrity | Expertise 

FSD Financial Services Fixed Annuities and Life

800-373-9697

A+ Rated MYGA Guarantee

A+ -MYGA 3-10 Years

Carrier Ratings: 

  • (A+) by AM Best 
  • (A+) by Standard & Poor's 
  • (Aa3) by Moody's
  • (B) by Weiss
  • (93) Comdex

3 Year Interest Rate 

  • 4.25% ($100,000+)
  • 4.05% ($10,000 -$99,999)

4 Year Interest Rate 

  • 4.25% ($100,000+)
  • 4.05% ($10,000 -$99,999)

5 Year Interest Rate 

  • 4.55% ($100,000+)
  • 4.35% ($10,000 -$99,999)

6 Year Interest Rate 

  • 4.55% ($100,000+)
  • 4.35% ($10,000 -$99,999)

7 Year Interest Rate 

  • 4.55% ($100,000+)
  • 4.35% ($10,000 -$99,999)

8 Year Interest Rate 

  • 4.60% ($100,000+)
  • 4.40% ($10,000 -$99,999)

9 Year Interest Rate 

  • 4.60% ($100,000+)
  • 4.40% ($10,000 -$99,999)

10 Year Interest Rate 

  • 4.60% ($100,000+)
  • 4.40% ($10,000 -$99,999)

RECURRING Surrender Charges:  

  • 10-year:  8% 8% 7% 6% 5% 4% 3% 2% 1% 1%
  • 9-Year: 8% 8% 7% 6% 5% 4% 3% 2% 1% 
  • 8-year: 8% 8% 7% 6% 5% 4% 3% 2% 
  • 7-year: 8% 8% 7% 6% 5% 4% 3%
  • 6-year 8% 8% 7% 6% 5% 4% 
  • 5-year 8% 8% 7% 6% 5%
  • 4-year 8% 8% 7% 6% 
  • 4-year 8% 8% 7% 

In the 30 day period prior the end of  the guarantee period, the owner may take withdrawals (full and partial) free of surrender charges 

 • For renewal only, a one year guarantee period is also available1 

Issue Age: 

  • 0-85 (Age nearest birthday) 

Premium Types:

  • Non-Qualified
  • Spousal and Non-Spousal Non-Qualified Stretch Annuity 
  • Spousal and Non-Spousal Stretch IRA
  • IRA Rollovers | IRA Transfers | Roth IRA  

Premiums:

  • $10,000 - $5,000,000

States NOT approved in: 

  • NY 

Free Withdrawals: 

  • Up to 10% of contract value as of the last contract anniversary, available starting in second contract year  
  • Required Minimum Distribution (RMD) available last day of first contract year  Note: The greater of RMD or 10% of the contract value can be withdrawn each contract year, but not both. 

Death Benefits: 

  • Full Death Benefit 

Waivers:

  • Waiver of surrender charge on withdrawals after first contract anniversary if:  (a) confined to medical facility (prescribed by physician) (b) diagnosed with fatal injury or illness or (c) disabled as defined in section 72 (m)(7) of the Internal Revenue Code • Contract must be issued prior to 75th birthday (availability and provisions may vary by state) 

Commission: 

  • 5 year
    1.60% (0-80)
    0.85% (81-85)
  • 6 year
    1.60% (0-80)
    0.85% (81-85)
  • 7 year
    2.25% (0-80)
    1.15% (81-85)
  • 8 year
    2.25% (0-80)
    1.15% (81-85)
  • 9 year
    2.25% (0-80)
    1.15% (81-85)
  • 10 year
    2.60% (0-80)
    1.30% (81-85)

Get an agent KIT

Quality CARRIER MYGA

Get An Agent Kit (A+ Carrier)

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A+ Rated | 96 Comdex

A+ Rated MYGA - LOW Commission

MYG Annuity

The initial rate is guaranteed for the length of the term. At the end of the initial term,  may choose a new 4-, 5-, 7- or 10-year term at the then-current interest rate or default to a 1-year guarantee period. 


Carrier Ratings: 

  • (A+) by AM Best 
  • (AA-) by Standard & Poor's 
  • (Aa3) by Moody's
  • (C+) by Weiss
  • (96) Comdex

4 Year Interest Rate 

  • 5.25% Year 1
  • 4.25% Years 2-4
    (4.50% Average Rate)

5 Year Interest Rate 

  • 5.35% Year 1
  • 4.35% Years 2-4
    (4.55% Average Rate)

7 Year Interest Rate 

  • 5.30% Year 1
  • 4.30% Years 2-7
    (4.44% Average Rate)

10 Year Interest Rate 

  • 5.40% Year 1
  • 4.40% Years 2-10
    (4.50% Average Rate)

RECURRING Surrender Charges:  

  • 10-year 8% 8% 7% 7% 6% 5% 4% 3% 2% 1% 
  • 7-year 8% 8% 7% 7% 6% 5% 4% 
  • 5-year 8% 8% 7% 7% 6% 
  • 4-year 8% 8% 7% 7% 

Issue Age: 

  • 0-89 

Premiums:

  • $20,000 - $1,000,000
  • $20,000 - $750,000 ages 76+

States NOT approved in: 

  • NY 

Free Withdrawals: 

  • 10% Free Withdrawals Immediately

Death Benefits: 

  • Full Death Benefit 

Commission: 

  • 0.50% (0-80)
  • 0.25% (81-89)

Get an Agent Kit

Quality CARRIER MYGA

High Premiums | Low Commission MYGA

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AZ and UT Agents

Arizona and Utah Agents

Get your American Savings Life Agent Kit

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MYGA Upstream

MYGA Rates

Company Ratings: 

  • (Not Rated) by A.M. Best 

Interest Rates ages (0-80) | (Rates are 0.25% LOWER over age 80): 

  • 5.40% For All 2 Years
  • 6.00% For All 3 Years 
  • 6.00% For All 4 Years
  • 6.00% For All 5 Years 
  • 5.55% For All 6 Years 
  • 5.40% For All 7 Years 
  • 5.40% For All 10 Years 
  • 4.90% For All 15 Years

Guarantee Periods: 

  • Choose a term from the 2, 3, 4, 5, 6, 7, 10 or 15 year initial guarantee periods

Renewing Surrender Charges:

  • 2-Year – 10, 9 % 
  • 3-Year – 10, 9, 8 % 
  • 4-Year – 10, 9, 8, 7 % 
  • 5-Year – 10, 9, 8, 7, 6 % 
  • 6-Year – 10, 9, 8, 7, 6, 5 %
  • 7-Year – 10, 9, 8, 7, 6, 5, 5 % 
  • 10-Year – 10, 9, 8, 7, 6, 5, 5, 5, 5, 5 % 
  • 15-Year – 10, 9, 8, 7, 6, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5 % 

Minimum Deposit:

  • $20,00 to $1,000,000 for qualified and non-qualified

Issue Age: 

  • 0-90 (lower in some state)
  • Max on 15 year is 80

ONLY approved in these states: 

  •  AR, AZ, CO, DE, DC, ID, IL, IN, LA, MD, MN, MO, MS, MT, ND, NE, NM, NV, OH, SD, TX, TN, UT, WV, WY

Free Withdrawal: 

  • Accumulated Interest 
  • Lump sum or equal monthly or quarterly payments 
  • Required Minimum Distribution (RMD) 

Death Benefit: 

  • Surrender Value
  • Contract Value if Death Benefit Rider is chosen or a 5-Year Settlement Option is chosen after death 

Optional Riders will lower rate by:

  • (Death Benefit Rider is required for Issue Ages 81+) 
  • Preferred 10% Free Withdrawal - reduces interest rate by 0.15%
  • Death Benefit Feature Rate is - reduces interest rate by 0.25%*

Commissions:

  • 2 Year: 0.85% 0-80 / 0.50% 81+
  • 3 Year: 1.55% 0-80 / 1.05% 81+
  • 4 Year: 1.75% 0-80 / 1.25% 81+
  • 5 Year: 2.40% 0-80 / 1.80% 81+
  • 6 Year: 2.45% 0-80 / 1.85% 81+
  • 7 Year: 2.75% 0-80 / 1.90% 81+
  • 10 Year: 2.80% 0-80 / 2.05% 81+
  • 15 Year: 3.20%  0-80 / 0.00% 81+

Get An Agent Kit

MYGA

Get Upstream Agent Contracting

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MYGA Rates

Company Ratings: 

  • (A-) by A.M. Best 

5 Year Interest Rate 

  • 5.65% ($100,000+)
  • 5.25% ($20,000 -$99,999)

Renewing Surrender Charges:

  • 5-Year – 9%, 8%, 7%, 6%, 5% 

Minimum Deposit:

  • $20,000 

Issue Age: 

  • 0-89 

Not approved in these states: 

  • CT, DC, MA, MN, NC, NJ, NY, PR, SC, and WI 

Free Withdrawal: 

  • 10% after year 1 Accumulated Interest 

Death Benefit: 

  • Full Account Value

Commissions:

  • 2.25% 0-89
  • Rate

Get An Agent Kit

MYGA

Get Agent Contracting

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FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 

NON RESIDENT LICENSEs: AZ, CO, CT, DE, FL, HI, ID, IL, IA, LA, MD, MI, NC, NV, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI


No information on this site is for use in New York or Puerto Rico.


Copyright © 2025 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change at anytime

state variations in surrender charges and interest rates - Be Aware


Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers | Website by Jeff Affronti 

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