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:
7.9% Year 1
7.0% Year 2
6.2% Year 3
0.0% Thereafter
+/- MVA 1st 3 Years
(No MVA in PA & MO)
Minimum Deposit: $10,000
Issue Age: 0-90 (75 in CA and FL)
States NOT approved in: DE, MN, NH, NY
Free Withdrawal: None during surrender charge period; thereafter, 100% liquid
Death Benefits: Surrender Value. Surviving spouses may elect to continue the policy as their own and avoid surrender charges. Non-spousal beneficiaries may reduce or avoid charges by deferring payment or taking a periodic income

CA Only: Death Benefit equals Accumulation Value for policies issued ages 65 and above.

FL Only: Death Benefit equals Accumulation Value for policies issued at all ages.

Commission: 2.00% All Ages
Ratings: B++ by A.M. Best (3 ratings upgrades since 2012!)
Waivers: None

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