5.00% Premium Bonus
8.00% commission
to age 80 (includes Special bonus from FSD!!!)
Sample Illustrations Below
10 Year Walk Away Term |
|
Company
Ratings: |
A+ (Superior) Rating from A.M. Best
|
| Surrender
Charges: |
Year 1 = 10% Year 6 =
8%
Year 2 = 10% Year 7 = 7%
Year 3 = 10% Year 8 = 6%
Year 4 = 10% Year 9 = 5%
Year 5 = 9% Year 10 =
4%
0% Thereafter |
|
Minimum
Deposit: |
$15,000 |
|
Issue Age: |
0-80 |
|
Approved in all state except:
|
MN, NY |
| Free
Withdrawal: |
•Penalty free withdrawals available after 1st 30 days
•10% accumulation value available after 1st year
•Annuitization Avail. After 1st year for at least 10 years. |
| Death
Benefits: |
•Nursing Home provision available
in most states not MA or PA.
•Owner Driven death benefit of full account value. |
|
PAST HISTORY ILLUSTRATIONS SAMPLE
Annual Point To Point Cap /
Monthly Point To Point Cap
Rates 8/19/2009 |
|
Annual Reset Crediting Methods |
$75,000 + |
$15,000 - $74,999 |
|
Annual Point To Point
With Cap |
100% Participation
7.00% CAP |
100% Participation
6.00% CAP |
| Monthly Cap |
100% Participation
2.60% Mo Cap |
100%
Participation
2.25% Mo Cap |
| Fixed Rate |
2.50% |
2.50% |