Company Ratings
Current Interest Rates Available
Rates effective as of June 11, 2026. Only one withdrawal rider (Free Partial, Interest-Only, or RMD) may be elected.
| Term | Rate | Features |
|---|---|---|
| 3-Year Term | ||
| 5.60% | Base rate (no riders) | |
| 5.45% | With Free Partial Withdrawal Rider (-0.15%) | |
| 5.50% | With Interest-Only or RMD Withdrawal Rider (-0.10%) | |
| 5.45% | With Account Value Death Benefit Rider (-0.15%) | |
| 5-Year Term | ||
| 6.00% | Base rate (no riders) | |
| 5.85% | With Free Partial Withdrawal Rider (-0.15%) | |
| 5.90% | With Interest-Only or RMD Withdrawal Rider (-0.10%) | |
| 5.85% | With Account Value Death Benefit Rider (-0.15%) | |
| 7-Year Term | ||
| 6.00% | Base rate (no riders) | |
| 5.85% | With Free Partial Withdrawal Rider (-0.15%) | |
| 5.90% | With Interest-Only or RMD Withdrawal Rider (-0.10%) | |
| 5.85% | With Account Value Death Benefit Rider (-0.15%) | |
| 10-Year Term | ||
| 6.05% | Base rate (no riders) — Highest rate | |
| 5.90% | With Free Partial Withdrawal Rider (-0.15%) | |
| 5.95% | With Interest-Only or RMD Withdrawal Rider (-0.10%) | |
| 5.90% | With Account Value Death Benefit Rider (-0.15%) | |
Note: The Account Value Death Benefit Rider may be combined with one withdrawal rider.
Optional Riders (Rate Reduction Applies)
- Free Partial Withdrawal Rider (−0.15%): Access the greater of 10% of Accumulated Value or Required Minimum Distribution (RMD) without surrender charges or MVA.
- Interest-Only Withdrawal Rider (−0.10%): Access earned interest without surrender charges or MVA.
- Required Minimum Distribution Rider (−0.10%): Access RMDs without surrender charges or MVA.
- Account Value Death Benefit Rider (−0.15%): Beneficiaries receive full Account Value free of surrender charges and MVA. Can be combined with one withdrawal rider.
Surrender Charges & Market Value Adjustment
A Market Value Adjustment (MVA) may apply to withdrawals exceeding the allowed free withdrawal amount.
The Owner will receive a notification at least 30 days prior to the end of the initial Guarantee Period (or any subsequent Guarantee Period thereafter) stating when the Guarantee Period is ending and detailing go-forward options. If no election is made prior to the end of the Guarantee Period, the contract will renew for the same Guarantee Period at the declared renewal rate and a new Surrender Charge Period will begin.
| Term | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 3-Year | 9% | 8% | 7% | 0% | - | - | - | - | - | - |
| 5-Year | 9% | 8% | 7% | 6% | 5% | 0% | - | - | - | - |
| 7-Year | 9% | 8% | 7% | 6% | 5% | 4.5% | 3.5% | 0% | - | - |
| 10-Year | 9% | 8% | 7% | 6% | 5% | 4.5% | 3.5% | 2.5% | 1.5% | 0.5% |
Minimum Premium
$5,000
Maximum $2,000,000 without home office approval
Issue Ages
0 – 90
Jointly owned: based on older owner’s age
States NOT Approved
CA, HI, MN, MO, NY, NC, SD
Free Withdrawals
Available through optional riders (rate reduction applies):
- Greater of 10% of Accumulated Value or RMD
- Earned interest (Interest-Only Rider)
- Required Minimum Distributions (RMD Rider)
All free of surrender charges and MVA when the rider is elected.
Death Benefit
Standard: Cash Surrender Value paid to named beneficiaries.
Optional Account Value Death Benefit Rider: Full Account Value paid to beneficiaries, free of surrender charges and MVA (0.15% rate reduction).
Free Look Period: 30 days.