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Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time.  For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Licensed in most states. Managing general agency - CA Insurance License #0B67385 

1.800.373.9697

Mon-Fri 8:30 am - 4:30pm PST

Interest Rate: 

  • 5 Year:
    4.65% Year 1
    3.65% Years 2-5
    (3.85% over the 5 years) 
  • 6 Year:  
    4.80% Year 1 then
    3.80% Years 2-6
    (3.97% over the 6 years) 
  • 7 Year:  
    4.90% Year 1 then
    3.90% Years 2-7  
    (4.04% over the 7 years) 
  • 10 Year:
    5.05% Year 1 then
    4.05% Years 2-10 
    (4.15% over the 10 Years)
  • Rates are 0.10% lower in Florida and include full death benefit.

Interest Rate Guaranteed Period:

  • 5, 6 7 or 10 Years 

Surrender Charges Recurring +/- MVA:

  • 5 Year: 9%, 8%, 7%, 6%, 5%* 
  • 6 Year: 9%, 8%, 7%, 6%, 5%, 5%*
  • 7 Year: 9%, 8%, 7%, 6%, 5%, 5%, 5%* 
  • 10 Year: 9%, 8%, 7%, 6%, 5%, 5%, 5%, 5%, 5%, 5%*
  • *30 day window: During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment. 

Minimum Deposit: 

  • $5,000 to $1,000,000 for qualified and non-qualified 

Issue Age:

  • 0-90 (lower in some states) Age 86+ must add death benefit rider.

States ONLY approved in:

  • AL, AR, AZ, CO, FL, GA, IA, IN, IL, KY, LA, MD, MS, MO, NM, NE, NC, OK, OR, SC, TN, TX, UT, VA, WV 

Free Withdrawal: 

  • Subject to surrender charge

Death Benefits: 

  • If the optional Death Benefit Feature is not selected the Death Benefit is equal to the Cash Surrender Value in a lump sum, or the Full Account Value in annual payments over a 5 year period. If your spouse is named as the sole, primary beneficiary they may elect to become the owner of the contract and continue it for the remainder of your term. Additional payout options may also be available. FL Only:  Death Benefit equals Accumulation Value for policies issued at all ages.

Optional Riders: (Death Benefit Rider is required for Issue Ages 86-90**)

  • Preferred 10% Free Withdrawal minus 0.15% from interest rate
  • Death Benefit Feature: minus 0.25% from interest rate (Required ages 86+)
  • Accumulated Interest Withdrawal: minus 0.05% from interest rate

Company Rating: "B++" by A.M. Best 

Rates shown are subject to change at any time.  For firm confirmation of current rates, a written proposal should be requested here or by calling call (800) 373-9697. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax.

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