FFIN Rates

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FIXED INDEX ANNUITY
Week of September 16, 2019
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FFIN

FEATURED INCOME RIDER

Lifetime Income Plus (9.50% Annual Income Credits)			Income starting at age 65*	Income starting at age 70*	RATINGS -BEST\|S&P\|COMDEX A\|A+\|81
		Single Life	$7,743 (5.25% withdrawal rate)	$11,700 (6.00% withdrawal rate)	1.10% annual rider charge
		Single Life	7.74% cash flow***	11.70% cash flow***	Not Available In: NY
		Join Life**	$7,006 (4.75% withdrawal rate)	$10,725 (5.50% withdrawal rate)
		Join Life**	7.00% cash flow***	10.73% 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+\|81
		POINT TO POINT CAP	3.60%	3.25%	Not Available In: NY FREE WITHDRAWAL: 10% All Years Rates Less In: AK, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	4.50%	4.25%
		FIXED RATE	1.85%	1.70%

Landmark 3 Non-MVA			$150,000+	$50,000 - $149,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP (S&P 500)	3.35%	3.00%	Free withdrawal: 10% all years Not Available: NY Rates Only Available In: AK, PA, UT
		POINT TO POINT CAP (iShares US Real Estate)	4.25%	4.00%
		FIXED RATE	1.75%	1.60%

4 YEAR

Secure Choice			$ 50,000+	$ 10,000 - $ 49,999	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|90
		POINT TO POINT CAP	3.55%	3.35%	FREE WITHDRAWAL: 10% All Years Not Available: NY
		PERFORMANCE TRIGGER	2.65%	2.50%	FREE WITHDRAWAL: 10% All Years Not Available: NY

5 YEAR

OptiBlend 5			$ 100,000+	$ 10,000 - $ 99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|90
		POINT TO POINT CAP	5.00%	4.05%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	40%	32%
		VOLATILITY CONTROL SPREAD	2.00%	2.30%
		VOLATILITY CONTROL PAR RATE	100%	90%
		FIXED RATE	2.15%	1.70%

Landmark 5			$ 100,000+	$ 10,000 - $ 99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	4.05%	3.80%	FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, CA, PA, UT, VA
		VOLATILITY CONTROL	50% (participation rate)	45% (participation rate)
		FIXED RATE	2.10%	2.00%

Accumulator 5			$ 100,000+	$ 10,000 - $ 99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|77
		POINT TO POINT CAP	3.50% (2% bailout cap)	3.00% (2% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	55%	50%
		MONTHLY CAP	1.30%	1.10%
		FIXED RATE	1.45%	1.15%

7 YEAR

American Legend 7			$ 100,000+	$ 10,000 - $ 99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	4.15%	3.90%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, CA, UT, VA
		VOLATILITY CONTROL	55% (participation rate)	50% (participation rate)
		MONTHLY CAP	1.75%	1.55%
		FIXED RATE	2.15%	2.05%

Accumulator 7			$ 100,000+	$ 10,000 - $ 99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|77
		POINT TO POINT CAP	3.75% (2.5% bailout cap)	3.50% (2.5% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	60%	55%
		MONTHLY CAP	1.40%	1.30%
		FIXED RATE	1.55%	1.45%

Power 7 Protector			$ 100,000+	$ 25,000 - $ 99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	4.75%	3.90%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	34%	26%
		VOLATILITY CONTROL	62% (participation rate)	53% (participation rate)
		FIXED RATE	1.80%	1.80%

10 YEAR

Safe Return			$ 25,000+		RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	3.00%, Bailout Cap 3.00%		FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	35% (participation rate), 20% Bailout Rate
		FIXED RATE	1.45%

FIXED MUTI-YR GTEE
Week of September 16, 2019
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3 YEAR

Preferred Series 3			Year 1	Year 2-3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|90
		$ 100,000+	2.05%	2.05%	2.05%	FREE WITHDRAWAL: 15% All Years SURRENDER LENGTH: Rolling
		$ 50,000 - $ 99,999	1.90%	1.90%	1.90%
		$ 5,000 - $ 49,999	1.75%	1.75%	1.75%

Guarantee Choice 3			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|88
		$ 100,000+	1.95%	1.95%	Not Available In: MT, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$ 10,000 NQ - $ 99,999 Q	1.60%	1.60%

5 YEAR

American Pathway VisionMYG			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$ 100,000+	2.35%	2.35%	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	2.05%	2.05%

Palladium MYG 5			Year 1	Year 2-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$ 100,000 - $1,000,000	2.85%	1.85%	2.05%	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	2.75%	1.75%	1.95%

Focused Growth 5			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|84
		$ 100,000+	2.45%	2.45%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$ 15,000 - $ 99,999	2.35%	2.35%

6 YEAR

Palladium MYG 6			Year 1	Year 2 - 6	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$ 100,000+	2.15%	2.15%	2.15%	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	2.05%	2.05%	2.05%

7 YEAR

American Pathway VisionMYG			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$ 100,000+	2.35%	2.35%	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	2.05%	2.05%

Palladium MYG 7			Year 1	Year 2-7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$ 100,000 - $1,000,000	3.25%	2.25%	2.39%	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	3.15%	2.15%	2.29%

10 YEAR

Palladium MYG 10			Year 1	Year 2-10	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$ 100,000 - $1,000,000	3.30%	2.30%	2.40%	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	3.20%	2.20%	2.30%

TRADITIONAL “RENEWAL RATE”

2 YEAR (GUARANTEE PERIOD)

Citadel 5			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$ 100,000 - $1,000,000	2.20%	1.20%	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	2.10%	1.10%

Citadel 7			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$100,000 - $1,000,000	3.30%	1.30%	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	3.20%	1.20%