This is a true 3 year guaranteed interest rate annuity.

Interest Rate:

3.10% For 3 Years

Guaranteed Period: Guaranteed For 3 Years
Surrender Charges: 3 Years Non MVA:
9% Year 1
8% Year 2
7% Year 3
0% Thereafter / NO MVA
Minimum Deposit: $50,000
Issue Age: 0-85 (age of last birthday) Mary vary by state
States NOT approved in: CA, CT, IA, ME, MA, MT, NH, NJ, NY, OR, RI, VT, WI
Monthly Income Option: Available after 30 days
Free Withdrawal: 10% FREE withdrawals. Policy owners may withdraw up to 10% of the accumulated contract value each year after the first year, without a withdrawal charge.
Death Benefits: Withdrawal charges are waived in the event of the annuitantís death

Withdrawal charges apply at the death of a non-annuitant owner, if death occurs during the withdrawal charge period.

Commission: Base Commission: 1.50% (ages 0-80)  |  0.50% ages (81-85)

Monthly Bonus Offered By Insurance Carrier - Call For Details or see commission schedule:

Premium $250k $500k $750k Total
Bonus Commission 0.25% 0.25% 0.25% 0.75%
Waivers NURSING CARE WAIVER - Up to 50% of accumulated contract value without a withdrawal charge.
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