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FIXED INDEX ANNUITY
Week of October 3, 2022
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FEATURED INCOME RIDER – 10% Annual Income Credits
| Lifetime Income Plus Flex | Income starting at age 67* | Income starting at age 72* | RATINGS -BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
 | Single Life | $8,700 (5.80% withdrawal rate) | $13,000 (6.50% withdrawal rate) | 1.10% annual rider charge | |
| 8.70% cash flow*** | 13.00% cash flow*** | Not Available In: NY | |||
| Joint Life** | $7,950 (5.30% withdrawal rate) | $12,000 (6.00% withdrawal rate) | |||
| 7.95% cash flow*** | 12.00% 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 |
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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% |
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% |
| Power 5 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 8.75% | 7.40% | Free withdrawal: 10% after 1 Year Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 40% | 35% | |||
| VOLATILITY CONTROL | 110% (participation rate) | 85% (participation rate) | |||
| FIXED RATE | 3.40% | 3.40% |
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% |
| Power 7 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|80 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 8.85% | 7.45% | FREE WITHDRAWAL: 10% after 1 Year Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 42% | 38% | |||
| VOLATILITY CONTROL | 115% (participation rate) | 90% (participation rate) | |||
| FIXED RATE | 3.50% | 3.50% |
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% |
| 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% |
| 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% |
| Palladium MYG 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A|74 | ||
|---|---|---|---|---|---|
 | $250,000+ | 4.35% | 4.35% | FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 10 Years Not Available In: UT & PR Rates Less In: NY |
|
| $100,000 - $249,999 | 4.20% | 4.20% | |||
| $5,000 - $99,999 | 4.10% | 4.10% |
| 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% |
| Palladium MYG 7 | Year 1-7 | 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% |
| 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
| Palladium MYG 10 | Year 1-10 | 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% |
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% |
