This is a true 3 year guaranteed interest rate annuity.

Interest Rate:

2.25% For 3 Years

Guaranteed Period: Guaranteed For 3 Years
Request An Illustration:  Get A Quote
Surrender Charges: 3 Years - Recurring
10,10,9% +/- MVA
30 day window prior to the end of the guarantee period
Minimum Deposit: $10,000
Issue Age: 0-90
States NOT approved in: NY
Free Withdrawal:

Cumulative interest earned may be withdrawn at any time without Surrender Charge or MVA, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT.

Death Benefits: Upon death of first Owner, Accumulation Value
Commission: 2.00% 0-80
1.50% 81-90
No Cost Rider:


An elective rider is available at no cost (not available in IN, MN, MT, NC, OH, OR, TX, UT and WA). If selected, the contract provisions are modified as follows

Surrender: 3 Years - Recurring 9%, 8.5%,10,10,9% +/- MVA
30 Day Window

Free withdrawals of interest are allowed in the first year without Surrender Charge or MVA. After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Surrender Charge or MVA, either systematically or as a single withdrawal.

Reduced Death Benefit: Upon death of first Owner, the choice of: Cash Surrender Value immediately or Accumulation Value applied to a Payment Option for at least a 5-year period or life.

Waivers Nursing Home Benefit
Company Ratings: B++ by A.M. Best

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