This is a true 3 year guaranteed interest rate annuity.

Interest Rate:

2.25% For 3 Years

Guaranteed Period: Guaranteed For 3 Years
Request An Illustration:  Get A Quote
Surrender Charges: 3 Years - Recurring
10,10,9% +/- MVA
30 day window prior to the end of the guarantee period
Minimum Deposit: $10,000
Issue Age: 0-90
States NOT approved in: NY
Free Withdrawal:

Cumulative interest earned may be withdrawn at any time without Surrender Charge or MVA, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT.

Death Benefits: Upon death of first Owner, Accumulation Value
Commission: 2.00% 0-80
1.50% 81-90
No Cost Rider:

WILL LOWER DEATH BENEFIT

An elective rider is available at no cost (not available in IN, MN, MT, NC, OH, OR, TX, UT and WA). If selected, the contract provisions are modified as follows

Surrender: 3 Years - Recurring 9%, 8.5%,10,10,9% +/- MVA
30 Day Window

Free withdrawals of interest are allowed in the first year without Surrender Charge or MVA. After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Surrender Charge or MVA, either systematically or as a single withdrawal.

Reduced Death Benefit: Upon death of first Owner, the choice of: Cash Surrender Value immediately or Accumulation Value applied to a Payment Option for at least a 5-year period or life.

Waivers Nursing Home Benefit
Company Ratings: B++ by A.M. Best

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