This is a true 7 year guaranteed interest rate annuity.

Interest Rate
3.40% $100,000 +
3.20% $5,000 - $99,999
Guaranteed Period: Guaranteed For 7 Years
Surrender Charges: 7 year renewing period:
9% Year 1
9% Year 2
8% Year 3
7% Year 4
6% Year 5
5% Year 6
4% Year 7

30 Day Free exit window on the last day of the 7 year term!
Minimum Deposit: $5,000 for Low Band - $100,000 for High Band
Issue Age: 0-90 (0-85 in OK)
States NOT approved in: AL, AR, CA, CT, IN, MI, MN, MO, NJ, NY, WI, WA
Free Withdrawal: 10% or less of the prior contract anniversary value. In the 1st year of the 10% of contribution. 
RMD above 10% OK 
Systematically withdraw 1st–25th Minimum is $250.
Death Benefits: Full Death Benefit - 
Commission: 2.50% (0-80)
1.00% (81-85) 0.37% (86-90)
Waivers Nursing home is not available in MA
Company Ratings: A+ by A.M. Best
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