Five Year Fixed Rate Annuity Guarantee

Interest Rate:

3.80% For 5 Years

Guaranteed Period: Guaranteed For 5 Years
Surrender Charges: 5 Years
7.9% Year 1
7.0% Year 2
6.2% Year 3
5.3% Year 2
4.4% Year 3
0.0% Thereafter
+/- MVA 1st 3 Years (No MVA in PA & MO or after year 3)
Minimum Deposit: $10,000
Issue Age: 0-90 (75 in CA and FL - 85 in OK)
States NOT approved in: CT, DE, MN, NH, NJ, NY, RI
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.
Ratings: B++ By A.M. Best
Waivers None
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Remember - Fixed Annuities are based on your needs and circumstances.
Consider investment objectives, risks, charges, and expenses of the annuity and compare to like investments.

**Guarantees are subject to the claims-paying ability of the issuing insurance company.
*Restrictions may apply. Please refer to product materials for additional details.
Withdrawals from an annuity before age 59, may be subject to a 10% IRS excise tax penalty.
*Not available in all states and variations may apply by state.

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