This is a true 9 year guaranteed interest rate annuity.

Interest Rate:

3.85% For 9 Years

Guaranteed Period: Guaranteed For 9 Years
Surrender Charges: 9 Yrs
7.9, 7.0, 6.2, 5.3, 4.4, 3.5, 2.7, 1.8, 0.9, 0%

+/- MVA 1st 9 Yrs
Minimum Deposit: $10,000
Issue Age: 0-80 (65 in FL and CA Due to Death Benefit)
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: 2.75% All Ages
Waivers None
Company Ratings: B++ by A.M. Best
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