This is a true 5 year guaranteed interest rate annuity.


Interest Rate
3.65% $100,000 +
3.35% $10,000 - $99,999
Guaranteed Period: Guaranteed For5 Years
Surrender Charges: year renewing period:
7% Year 1
7% Year 2
6% Year 3
5% Year 4
4% Year 5
0% Thereafter
Minimum Deposit: $10,000 for Low Band - $100,000 for High Band
$2,000,000 maximum
Issue Age: 85
States NOT approved in: AK, MN, MO (NY Rates Are LOWER)
Free Withdrawal: 10% of the Accumulation Value is available per contract year
Death Benefits: Full Death Benefit - 
Commission: 2.00% (0-75)
1.30% (76-80)
0.75% (81-85)
Company Ratings: A+ by A.M. Best
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