LIQUID FPDA - This is a true no surrender annuity.

Current Interest Rate:


Rate Guaranteed Period: 1 Year
Minimum Guarantee: 1.00%
Surrender Charges: NONE - 0% - NO MVA
Minimum Deposit: $10,000 minimum - Add $1,000 or more anytime
Issue Age: 0-100 (85 in OK)
States not approved in: AK, DC, DE, MN, NH, NY
Free Withdrawal: 100% Liquid
Must maintain $10,000 value Additional deposit $1,000+
This carrier allows internal transfer to longer term MYGAs and pays FULL Commission!
Death Benefits: Full Death Benefit
Commission: 1/12 of Annual Commission paid monthly on Account Value.
Annual Commission = 0.50% (0-80)  | 0.40% (81-100)
Company Ratings: B++ by A.M. Best (Upgraded 3 times since 2012)
Call: 800-373-9697
  • Possible substitute for a short term SPIA - Allows clients to show short term steady annuity income through systematic withdrawals of principal and interest.
  • Great for old 401K and qualified funds rollovers.
  • 30 day MYGA widow alternative.
  • May avoid probate.
  • Savings account look alike with wide flexibility.
  • Tax deferral
  • May be transferred into any of the carriers other MYGA products with full commission.
  • Pays accumulation value trail commission for as long as policy is in force.   
Have Clients That Needs Short Term Income?
A newly approved product will allow systematic withdrawals of principal and interest of 2.52% per month for 36 months (30.33% Annually) or 3.78% per month for 24 months (45.45% Annually).  Based on a $110,000 minimum premium. At the end of the term a $10,000 lump sum plus some interest will be available.
24 Month Income = $4,166.66 | 36 Month = $2,777.77

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