Fixed Indexed Annuity
MANY CREDITING METHODS - 800-373-9697

  Declared rate S&P 500 Risk Control 10% Annual Point-to-Point (Participation) S&P 500 annual point-to-point with cap S&P 500 monthly sum with cap iShares® U.S. Real Estate annual point-to-point with cap GLD annual point-to-point with cap S&P U.S. Retiree Spending annual point-to-point with par. rate Commission

Over $100K
Under $100K

3.00%
2.90%
70%
65%
6.40%
6.15%
2.50%
2.30%
8.25%
7.75%
7.25%
7.00%
75%
70%
18 - 75 - 4.75%
76 - 85 - 2.75%
86 - 89 - 2.75%

Rates in AK, CA, UT and VA are lower.

Issue Ages:

Qualified: 0 -85 | Non-qualified: 0-85
Inherited IRA: 0-75 | Inherited non-qualified: 0-75

Tax qualifications:

Non-qualified & qualified: 403(b) (traditional and Roth), IRA (traditional, Roth, SEP, SIMPLE and Inherited), 457(b) and inherited non-qualified

Purchase payments:

▪▪ Minimum: $10,000 | Subsequent: $2,000
Maximum: $1 million for ages 0-75,
$750,000 for ages 76-80, $500,000 for ages 81+

Riders & waivers:

Included
▪▪ Extended Care Waiver– 100% account value when criteria met
▪▪ Terminal Illness Waiver – 100% account value when criteria met

GMSV: Guaranteed Minimum
Surrender Value:

87.5% of purchase payments, rate of 1%, less withdrawals (other than rider charges)

State Not Approved:

IA, NY, PA, WA

rates in AK, CA, UT and VA lower

Early withdrawal charges
Seven-year declining:

9% 8% 7% 6% 5% 4% 3% 0% - With MVA

No MVA in AK, CA, UT and VA

Penalty-free withdrawals:

▪▪ During first contract year, 10% of purchase payments
▪▪ After first contract anniversary, 10% of the sum of the account value as of the most recent
contract anniversary and any purchase payments received since

Death benefit:

Full Death Benefit - Greater of the account value or GMSV

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