FFIN Rates

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FIXED INDEX ANNUITY
Week of August 10, 2020
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FFIN

FEATURED INCOME RIDER – 7% Annual Income Credits

Lifetime Income Plus Flex			Income starting at age 67*	Income starting at age 72*	RATINGS -BEST\|S&P\|COMDEX A\|A+\|82
		Single Life	$6,885 (5.10% withdrawal rate)	$9,945 (5.85% withdrawal rate)	1.10% annual rider charge
		Single Life	6.88% cash flow***	9.94% cash flow***	Not Available In: NY
		Joint Life**	$6,210 (4.60% withdrawal rate)	$9,095 (5.35% withdrawal rate)
		Joint Life**	6.21% cash flow***	9.09% cash flow***
		Income assumes 62 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+\|82
		POINT TO POINT CAP	2.50%	2.25%	Not Available In: NY FREE WITHDRAWAL: 10% All Years Rates Less In: AK, CA, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	2.45%	2.25%
		FIXED RATE	1.15%	1.05%

Landmark 3 Non-MVA			$150,000+	$50,000 - $149,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	2.25%	2.00%	Free withdrawal: 10% all years Not Available: NY Rates Only Available In: AK, CA, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	2.20%	2.05%
		FIXED RATE	1.05%	1.00%

4 YEAR

Secure Choice			$50,000+	$10,000 - $49,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|91
		POINT TO POINT CAP	2.70%	2.25%	FREE WITHDRAWAL: 10% All Years Not Available: NY
		PERFORMANCE TRIGGER	1.80%	1.40%	FREE WITHDRAWAL: 10% All Years Not Available: NY

5 YEAR

Accumulator 5			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	4.50% (3.75% bailout cap)	4.50% (3.75% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	75%	75%
		FIXED RATE	1.90%	1.90%

Landmark 5			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	4.05%	3.80%	FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, CA, PA, UT
		VOLATILITY CONTROL	45% (participation rate)	40% (participation rate)
		FIXED RATE	1.50%	1.40%

Power 5 Protector			$100,000+	$25,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	4.15%	3.10%	Free withdrawal: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	18%	14%
		VOLATILITY CONTROL	72% (participation rate)	57% (participation rate)
		FIXED RATE	1.35%	1.35%

OptiBlend 5			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|91
		POINT TO POINT CAP	2.00%	2.00%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	9%	8%
		VOLATILITY CONTROL SPREAD	3.25%	3.00%
		VOLATILITY CONTROL PAR RATE	45%	35%
		FIXED RATE	1.00%	1.00%

7 YEAR

Accumulator 7			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	4.80% (4.00% bailout cap)	4.80% (4.00% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	80%	80%
		FIXED RATE	2.00%	2.00%

American Legend 7			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	4.15%	3.90%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, CA, PA, UT
		VOLATILITY CONTROL	50% (participation rate)	45% (participation rate)
		MONTHLY CAP	1.50%	1.25%
		FIXED RATE	1.70%	1.60%

Power 7 Protector			$100,000+	$25,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	4.20%	3.25%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	19%	16%
		VOLATILITY CONTROL	74% (participation rate)	60% (participation rate)
		FIXED RATE	1.40%	1.40%

10 YEAR

Safe Return			$25,000+		RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	3.00%, Bailout Cap 3.00%		FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	30% (participation rate), 25% Bailout Rate
		FIXED RATE	1.20%

FIXED MUTI-YR GTEE
Week of August 10, 2020
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3 YEAR

Guarantee Choice 3			Year 1 - 3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|89
		$100,000+	2.40%	2.40%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$10,000 NQ - $99,999 Q	1.95%	1.95%

Preferred Series 3			Year 1-3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|91
		$100,000+	1.55%	1.55%	FREE WITHDRAWAL: 15% All Years SURRENDER LENGTH: Rolling
		$50,000 - $99,999	1.40%	1.40%
		$5,000 - $49,999	1.15%	1.15%

5 YEAR

Focused Growth 5			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|85
		$100,000+	2.25%	2.25%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	2.15%	2.15%

American Pathway VisionMYG			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		$100,000+	2.00%	2.00%	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	1.70%	1.70%

Palladium MYG 5			Year 1	Year 2-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000 - $1,000,000	3.10%	2.10%	2.30%	FREE WITHDRAWAL: Interest Only Year 1, 10% Years 2+ SURRENDER LENGTH: 10 Years Not Available In: UT Rates Less In: NY
		$5,000 - $99,000	3.00%	2.00%	2.20%

6 YEAR

Palladium MYG 6			Year 1-6	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000+	2.35%	2.35%	FREE WITHDRAWAL: Interest Only Year 1, 10% Years 2+ SURRENDER LENGTH: 10 Years Not Available In: UT Rates Less In: NY
		$5,000 - $99,999	2.25%	2.25%

7 YEAR

Guarantee Choice 7			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|89
		$100,000+	3.25%	3.25%	Not Available In: CA, DE, FL, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$10,000 NQ - $99,999 Q	2.85%	2.85%

Palladium MYG 7			Year 1	Year 2-7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000 - $1,000,000	3.20%	2.20%	2.34%	FREE WITHDRAWAL: Interest Only Year 1, 10% Years 2+ SURRENDER LENGTH: 10 Years Not Available In: UT Rates Less In: NY
		$5,000 - $99,000	3.10%	2.10%	2.24%

American Pathway VisionMYG			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		$100,000+	2.00%	2.00%	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	1.70%	1.70%

10 YEAR

Palladium MYG 10			Year 1	Year 2-10	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000 - $1,000,000	3.20%	2.20%	2.30%	FREE WITHDRAWAL:Interest Only Year 1, 10% Years 2+ SURRENDER LENGTH: 10 Years Not Available In: UT Rates Less In: NY
		$5,000 - $99,000	3.10%	2.10%	2.20%

TRADITIONAL “RENEWAL RATE”

2 YEAR (GUARANTEE PERIOD)

Citadel 5			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000 - $1,000,000	2.55%	1.55%	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	2.45%	1.45%

Citadel 7			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|79
		$100,000 - $1,000,000	3.80%	1.80%	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	3.70%	1.70%