This is a true 3 year guaranteed interest rate annuity.

Interest Rate:

2.75% For 3 Years ($100K+)
2.65% For 3 Years ($15K - $99,999)

Guaranteed Period: Guaranteed For 5 Years
Surrender Charges: 3 Years - +/- MVA
9.4% Year 1
8.5% Year 2
7.5% Year 3

30 Day window after term then repeats from year 1

Minimum Deposit: $15,000
Issue Age: 0-93 Mary vary by state
States NOT approved in: CA, DE, NJ, NY
Free Withdrawal: Interest payments OK immediately (NO 10% Avail) Annuitization anytime (60 and over)
Death Benefits: Full Death Benefit
Commission: 1.50% (0-80)
0.75% (81-85)
0.50% (86-93)
Waivers Terminal condition and nursing home waivers - not in MA
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