This is a true 5 year guaranteed interest rate annuity.

Interest Rate:

3.50% For All 5 Years
Also Available:
4.30% Year 1 then 3.30% year 2-5 (3.50% Yield)

Guaranteed Period: Guaranteed For 5 Years
Surrender Charges: 5 year period:
8.0% Year 1
7.0% Year 2
6.0% Year 3
5.5% Year 4
4.5% Year 5
0.0% Thereafter
with MVA
(No MVA in PA & MO)
Minimum Deposit: $10,000
Issue Age: 0-90 (0-85 in OK)
States not approved in: DE, MN, NH, NY
Free Withdrawal: All accumulated Interest Twice Yearly
Death Benefits: Full Death Benefit
Commission: 2.00% (0-80) -  0.40% (81-90)
Waivers Nursing Home
Disability Waivers
Company Ratings: B++ by A.M. Best

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