Advisor Group Rates

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FIXED INDEX ANNUITY
Week of October 3, 2022
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FEATURED INCOME RIDER

Guaranteed Income			Income starting at age 65*	Income starting at age 70*	RATINGS -BEST\|S&P\|COMDEX A+\|AA-\|94
		Single Life	$6,817 (5.05% withdrawal rate)	$9,887 (5.65% withdrawal rate)	1.20% annual rider charge Not Available In: NY 4% simple interest roll-up 15% benefit base bonus (5-year deferral) 20% benefit base bonus (10-year deferral)
		Single Life	6.81% cash flow***	9.88% cash flow***
		Joint Life**	$6,142 (4.40% withdrawal rate)	$9,012 (5.15% withdrawal rate)
		Joint Life**	6.14% cash flow***	9.01% cash flow***
		Income assumes 60 year old with $100,000 initial deposit Joint Life income is based on the youngest spouse's age at time of income withdrawal ** Cash flow based on initial investment

3 YEAR

Landmark 3 MVA			$150,000+	$50,000 - $149,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		POINT TO POINT CAP	8.75%	8.50%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	9.50%	9.00%
		FIXED RATE	3.75%	3.65%

Landmark 3 Non-MVA			$150,000+	$50,000 - $149,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		POINT TO POINT CAP	8.50%	8.25%	Free withdrawal: 10% all years Not Available: NY Rates Only Available In: AK, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	9.00%	8.75%
		FIXED RATE	3.60%	3.50%

4 YEAR

Secure Choice			$50,000+	$10,000 - $49,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|91
		POINT TO POINT CAP	2.95%	2.50%	FREE WITHDRAWAL: 10% All Years Not Available: NY
		PERFORMANCE TRIGGER	2.05%	1.65%	FREE WITHDRAWAL: 10% All Years Not Available: NY

5 YEAR

Landmark 5 MVA			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		POINT TO POINT CAP	10.50%	10.25%	FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, CA, PA, UT
		5YR CAP LOCK ANNUAL PTP	8.25%	8.00%
		VOLATILITY CONTROL	80% (participation rate)	75% (participation rate)
		FIXED RATE	4.25%	4.10%

Accumulator 5			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	9.50% (5.00% bailout cap)	8.75% (5.00% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	205%	190%
		FIXED RATE	3.00%	2.85%

OptiBlend 5			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|90
		POINT TO POINT CAP	9.00%	8.50%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Lower In: CA
		UNCAPPED S&P 500 PAR RATE	40%	35%
		VOLATILITY CONTROL SPREAD	0.50%	0.75%
		VOLATILITY CONTROL PAR RATE	175%	150%
		FIXED RATE	4.00%	3.75%

Protector 5			$10,000+	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	8.75% (4.50% bailout cap)	Annual Rider Fee: 0.40% FREE WITHDRAWAL: 10% All Years Not Available: NY 15% Guaranteed Minimum Interest Credit after 5-years!
		VOLATILITY CONTROL	185%
		FIXED RATE	3.00%

7 YEAR

American Legend 7 MVA			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		POINT TO POINT CAP	11.00%	10.75%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, CA, PA, UT
		7YR CAP LOCK ANNUAL PTP	9.00%	8.75%
		VOLATILITY CONTROL	85% (participation rate)	80% (participation rate)
		MONTHLY CAP	3.25%	3.00%
		FIXED RATE	4.50%	4.40%

Accumulator 7			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	10.00% (5.00% bailout cap)	9.25% (5.00% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	210%	195%
		FIXED RATE	3.00%	2.90%

OptiBlend 7			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|90
		POINT TO POINT CAP	9.05%	8.50%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	40%	35%
		VOLATILITY CONTROL SPREAD	0.50%	0.75%
		VOLATILITY CONTROL PAR RATE	175%	150%
		FIXED RATE	4.00%	3.75%

Asia Plus 7			$5,000+		RATINGS - BEST\|S&P\|COMDEX A\|A\|74
		POINT TO POINT CAP (50% participation)	7.10%		FREE WITHDRAWAL: 10% All Years Not Available In: N/A (rates less in NY)
		POINT TO POINT CAP (100% participation)	7.15%
		MONTHLY CAP	2.50%
		FIXED RATE	3.20%

10 YEAR

OptiBlend 10			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|90
		POINT TO POINT CAP	8.75%	8.25%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	40%	35%
		VOLATILITY CONTROL SPREAD	0.50%	0.75%
		VOLATILITY CONTROL PAR RATE	175%	150%
		FIXED RATE	3.85%	3.60%

VersaChoice 10			$75,000+	$20,000 - $74,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|88
		POINT TO POINT CAP	8.25%	7.25%	FREE WITHDRAWAL: 10% After 1 Year Not Available In: NY Enhanced Liquidity Rider Available
		VOLATILITY CONTROL	145% (participation rate)	125% (participation rate)
		FIXED RATE	3.70%	3.30%

Safe Return			$25,000+		RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		POINT TO POINT CAP	4.50%, (Bailout Cap 3.00%)		FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	40% (participation rate), 25% Bailout Rate
		FIXED RATE	1.75%

FIXED MUTI-YR GTEE
Week of October 3, 2022
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3 YEAR

SecureGain 3			Year 1 - 3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		$100,000+	4.20%	4.20%	FREE WITHDRAWAL: 10% All Years Surrender Length: 6 Years Liquid on 3rd Anniversary Not Available: HI, IN, NY Rates Less In: AK & UT
		$10,000 - $99,999	4.05%	4.05%

Guarantee Plus 3			Year 1 - 3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|88
		$100,000+	4.05%	4.05%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$10,000 NQ - $99,999 Q	3.60%	3.60%

Milestone MYGA 3			Year 1-3	Effective Yield	RATINGS - BEST\| A-
		$100,000+	3.90%	3.90%	Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA
		$50,000 - $99,999	3.65%	3.65%
		$15,000 - $49,999	2.90%	2.90%

5 YEAR

SecureGain 5			Year 1-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|93
		$100,000+	Yr 1 4.90%; Yr 2 4.75%; Yr 3 4.85%; Yr 4 4.95%; Yr 5 5.05%	4.90%	FREE WITHDRAWAL: 10% All Years Surrender Length: 5 Years Not Available: NY Rates Less In: CT, IN, MN, MO, OH
		$10,000 - $99,999	Yr 1 4.75%; Yr 2 4.60%; Yr 3 4.70%; Yr 4 4.80%; Yr 5 4.90%	4.75%

Guarantee Plus 5			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|88
		$100,000+	4.60%	4.60%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$10,000 NQ - $99,999 Q	4.35%	4.35%

Ultra-Premier 5			Year 1-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|90
		$25,000+	4.30%	4.30%	Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling

Milestone MYGA 5			Year 1-5	Effective Yield	RATINGS - BEST\| A-
		$100,000+	4.25%	4.25%	Free withdrawal: 10% after 1 Year Surrender Length: Rolling Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA
		$50,000 - $99,999	4.00%	4.00%
		$15,000 - $49,999	3.55%	3.55%

American Pathway VisionMYG			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|80
		$100,000+	4.25%	4.25%	Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 5th Anniversary ADL waiver after first year!
		$10,000 - $99,000	3.15%	3.15%

Focused Growth 5			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$100,000+	3.95%	3.95%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	3.85%	3.85%

6 YEAR

Palladium MYG 6			Year 1-6	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|74
		$250,000+	4.40%	4.40%	FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 10 Years Not Available In: UT & PR Rates Less In: NY
		$100,000 - 249,999	4.25%	4.25%
		$5,000 - $99,999	4.15%	4.15%

7 YEAR

Guarantee Plus 7			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|88
		$100,000+	4.70%	4.70%	Not Available In: CA, DE, FL, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$10,000 NQ - $99,999 Q	4.40%	4.40%

Ultra-Premier 7			Year 1-7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|90
		$25,000+	4.30%	4.30%	Not Available: DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling

Milestone MYGA 7			Year 1-7	Effective Yield	RATINGS - BEST\| A-
		$100,000+	4.25%	4.25%	Free withdrawal: 10% after 1 Year Surrender Length: 7 Years Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA
		$50,000 - $99,999	4.10%	4.10%
		$15,000 - $49,999	3.75%	3.75%

American Pathway VisionMYG			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|80
		$100,000+	4.25%	4.25%	Not Available In: N/A FREE WITHDRAWAL: 15% After 1 Year SURRENDER LENGTH: 10 Years Liquid on 7th Anniversary ADL waiver after first year!
		$10,000 - $99,000	3.20%	3.20%

10 YEAR

Focused Growth 10			Year 1 - 10	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$100,000+	4.00%	4.00%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	3.90%	3.90%

TRADITIONAL “RENEWAL RATE”

2 YEAR (GUARANTEE PERIOD)

Citadel 5			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|74
		$100,000 - $1,000,000	3.30%	2.30%	FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 5 Years Not Available In: N/A Rates Less In: NY * Renewal rates for years 3-5 will not renew lower than the 1% guarenteed minimum
		$5,000 - $99,000	3.20%	2.20%

Citadel 7			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|74
		$100,000 - $1,000,000	4.50%	2.50%	FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 7 Years Not Available In: N/A Rates Less In: NY * Renewal rates for years 3-7 will not renew lower than the 1% guarenteed minimum
		$5,000 - $99,000	4.40%	2.40%