5 7 or 10 year guaranteed interest rate annuities.

Interest Rate:

4.00% For All 5 Years (3.90% in CA and FL*) (3.70% In MN**)

4.10% For All 7 Years (4.00% in CA and FL*) (3.80 In MN**)

4.20% For All 10 Years (4.10% in CA and FL*) (3.70 In MN**)

*Death Benefit Feature is required in California and Florida and is priced into the California and Florida rates. All California and Florida contracts are issued with the Death Benefit Feature.
**Minnesota contracts do not include Market Value Adjustments (MVA).

Guaranteed Period: Choose from the 5, 7 or 10 Year guaranteed term
Surrender Charges: 5 Year
9,8,7,6,5%
30 Day Window
PRIOR To End Of Guarantee Period

7 Year:
9,8,7,6,5,5,5%
30 Day Window
PRIOR To End Of Guarantee Period

10 Year:
9,8,7,6,5,5,5,5,5,5%
30 Day Window
PRIOR To End Of Guarantee Period
 

During your 30-day window you can surrender your annuity for cash
with no surrender charges or market value adjustment.

Minimum Deposit: $2,500 to $1,000,000 for qualified and non-qualified
Issue Age: 0-90 (lower in some state)
States NOT approved in: AK, CT, IN, MA, MI, ME, MO, RI, TN, SC, NY, NJ, NH, VA, VT, WI, WV
Optional Riders Lower Rate: Required Minimum Distribution Rate is 0.16% Lower
Preferred 10% Free Withdrawal Rate is 0.08% Lower
Terminal Illness/Nursing Home Care Rate is 0.15% Lower
72(t) Free Withdrawal Rate is 0.05% Lower
Death Benefit Feature Rate is 0.35%* Lower
Accumulated Interest Withdrawal Rate is 0.08% Lower
Free Withdrawal: None - Subject to surrender charge.
Death Benefits: Surrender On Death

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

Commission: 5 Year: 2.25% 0-80 / 1.50% 81-90

7 Year: 2.25% 0-80 / 1.50% 81-90

10 Year: 2.75% 0-80 2.00% 81-90

Company Ratings: B++ by A.M. Best

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