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FIXED INDEX ANNUITY
Week of April 19, 2021
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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 | |
| 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) | |||
| 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 |
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3 YEAR
| Landmark 3 MVA | $150,000+ | $50,000 - $149,999 | RATINGS - BEST|S&P|COMDEX A|A+|81 | ||
|---|---|---|---|---|---|
 | 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+|81 | ||
|---|---|---|---|---|---|
| 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 | 2.95% | 2.50% | FREE WITHDRAWAL: 10% All Years Not Available: NY |
|
| PERFORMANCE TRIGGER | 2.05% | 1.65% |
5 YEAR
| Power 5 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.30% | 3.10% | Free withdrawal: 10% All Years Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 18% | 14% | |||
| VOLATILITY CONTROL | 77% (participation rate) | 57% (participation rate) | |||
| FIXED RATE | 1.40% | 1.40% |
| Landmark 5 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|81 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.30% | 4.05% | FREE WITHDRAWAL: 10% All Years Not Available: NY Rates Less In: AK, CA, PA, UT |
|
| 5YR CAP LOCK ANNUAL PTP | 4.05% | 3.80% | |||
| VOLATILITY CONTROL | 50% (participation rate) | 45% (participation rate) | |||
| FIXED RATE | 1.60% | 1.50% |
| Accumulator 5 | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A|79 | ||
|---|---|---|---|---|---|
 | POINT TO POINT CAP | 4.25% (2.50% bailout cap) | 4.00% (2.50% bailout cap) | FREE WITHDRAWAL: 10% All Years Not Available: NY |
|
| VOLATILITY CONTROL | 80% | 75% | |||
| FIXED RATE | 1.80% | 1.65% |
| OptiBlend 5 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A+|AA-|91 | ||
|---|---|---|---|---|---|
 | POINT TO POINT CAP | 3.75% | 3.00% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 15% | 10% | |||
| VOLATILITY CONTROL SPREAD | 0.75% | 1.00% | |||
| VOLATILITY CONTROL PAR RATE | 50% | 40% | |||
| FIXED RATE | 1.40% | 1.25% |
7 YEAR
| American Legend 7 MVA | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|81 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.65% | 4.40% | FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, CA, PA, UT |
|
| 7YR CAP LOCK ANNUAL PTP | 4.40% | 4.15% | |||
| VOLATILITY CONTROL | 55% (participation rate) | 50% (participation rate) | |||
| MONTHLY CAP | 2.00% | 1.75% | |||
| FIXED RATE | 2.00% | 1.85% |
| Accumulator 7 | $100,000+ | $10,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A|79 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.50% (3.00% bailout cap) | 4.25% (3.00% bailout cap) | FREE WITHDRAWAL: 10% All Years Not Available: NY |
|
| VOLATILITY CONTROL | 85% | 80% | |||
| FIXED RATE | 1.95% | 1.80% |
| Power 7 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.40% | 3.25% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 19% | 16% | |||
| VOLATILITY CONTROL | 80% (participation rate) | 60% (participation rate) | |||
| FIXED RATE | 1.40% | 1.50% |
| Asia Plus 7 | $5,000+ | RATINGS - BEST|S&P|COMDEX A|A|79 | |||
|---|---|---|---|---|---|
 | POINT TO POINT CAP (50% participation) | 5.40% | FREE WITHDRAWAL: 10% All Years Not Available In: N/A (rates less in NY) |
||
| POINT TO POINT CAP (100% participation) | 5.00% | ||||
| MONTHLY CAP | 2.25% | ||||
| FIXED RATE | 2.15% | ||||
10 YEAR
| OptiBlend 10 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A+|AA-|91 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 5.25% | 3.75% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 25% | 20% | |||
| VOLATILITY CONTROL SPREAD | 0.50% | 0.75% | |||
| VOLATILITY CONTROL PAR RATE | 100% | 70% | |||
| FIXED RATE | 1.90% | 1.65% |
| VersaChoice 10 | $75,000+ | $20,000 - $74,999 | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
|---|---|---|---|---|---|
 | POINT TO POINT CAP | 3.25% | 2.75% | FREE WITHDRAWAL: 10% After 1 Year Not Available In: NY Enhanced Liquidity Rider Available |
|
| VOLATILITY CONTROL | 60% (participation rate) | 45% (participation rate) | |||
| FIXED RATE | 1.50% | 1.15% |
| 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 | 30% (participation rate), 25% Bailout Rate | ||||
| FIXED RATE | 1.20% | ||||
FIXED MUTI-YR GTEE
Week of April 19, 2021
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3 YEAR
| Milestone MYGA 3 | Year 1-3 | Effective Yield | RATINGS - BEST| A- | ||
|---|---|---|---|---|---|
 | $100,000+ | 1.95% | 1.95% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Liquid on 3rd Anniversary Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA |
|
| $50,000 - $99,999 | 1.40% | 1.40% | |||
| $15,000 - $49,999 | 1.00% | 1.00% |
| Guarantee Choice 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
|---|---|---|---|---|---|
| $100,000+ | 1.85% | 1.85% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $10,000 NQ - $99,999 Q | 1.40% | 1.40% |
| SecureGain 3 | Year 1 - 3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|81 | ||
|---|---|---|---|---|---|
| $100,000+ | 1.70% | 1.70% | 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 | 1.45% | 1.45% |
| Preferred Series 3 | Year 1-3 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|91 | ||
|---|---|---|---|---|---|
| $100,000+ | 1.45% | 1.45% | FREE WITHDRAWAL: 15% All Years SURRENDER LENGTH: Rolling |
|
| $50,000 - $99,999 | 1.30% | 1.30% | |||
| $5,000 - $49,999 | 1.05% | 1.05% |
5 YEAR
| Milestone MYGA 5 | Year 1-5 | Effective Yield | RATINGS - BEST| A- | ||
|---|---|---|---|---|---|
| $100,000+ | 2.55% | 2.55% | Free withdrawal: 10% after 1 Year Surrender Length: Rolling Liquid on 5th Anniversary Not Available: AK, CT, ME, MT, NY, & VT Rates Less In: CA |
|
| $50,000 - $99,999 | 2.15% | 2.15% | |||
| $15,000 - $49,999 | 1.70% | 1.70% |
| SecureGain 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|81 | ||
|---|---|---|---|---|---|
| $100,000+ | Yr 1 2.50%; Yr 2 2.35%; Yr 3 2.45%; Yr 4 2.55%; Yr 5 2.65% | 2.50% | 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 2.35%; Yr 2 2.20%; Yr 3 2.30%; Yr 4 2.40%; Yr 5 2.50% | 2.35% |
| Focused Growth 5 | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|85 | ||
|---|---|---|---|---|---|
 | $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% |
| Ultra-Premier 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
|---|---|---|---|---|---|
 | $25,000+ | 2.15% | 2.15% | Not Available: CA, DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
| American Pathway VisionMYG | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| $100,000+ | 2.20% | 2.20% | 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 | 1.90% | 1.90% |
6 YEAR
| Palladium MYG 6 | Year 1-6 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A|79 | ||
|---|---|---|---|---|---|
| $250,000+ | 2.45% | 2.45% | FREE WITHDRAWAL: 10% All Years SURRENDER LENGTH: 10 Years Not Available In: UT & PR Rates Less In: NY |
|
| $100,000 - 249,999 | 2.30% | 2.30% | |||
| $5,000 - $99,999 | 2.20% | 2.20% |
7 YEAR
| Ultra-Premier 7 | Year 1-7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|90 | ||
|---|---|---|---|---|---|
| $25,000+ | 2.35% | 2.35% | Not Available: CA, DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling |
| Focused Growth 7 | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|85 | ||
|---|---|---|---|---|---|
| $100,000+ | 2.50% | 2.50% | Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $15,000 - $99,999 | 2.40% | 2.40% |
| Guarantee Choice 7 | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|A+|89 | ||
|---|---|---|---|---|---|
| $100,000+ | 2.20% | 2.20% | Not Available In: CA, DE, FL, NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $10,000 NQ - $99,999 Q | 1.80% | 1.80% |
| American Pathway VisionMYG | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| $100,000+ | 2.20% | 2.20% | 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 | 1.90% | 1.90% |
10 YEAR
| Focused Growth 10 | Year 1 - 10 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|85 | ||
|---|---|---|---|---|---|
| $100,000+ | 1.95% | 1.95% | Not Available In: NY FREE WITHDRAWAL: FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $15,000 - $99,999 | 1.85% | 1.85% |
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 | 2.85% | 1.85% | 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 | 2.75% | 1.75% |
| Citadel 7 | Year 1 | Year 2 (Base Rate) | RATINGS - BEST|S&P|COMDEX A|A|79 | ||
|---|---|---|---|---|---|
| $100,000 - $1,000,000 | 4.10% | 2.10% | 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 | 4.00% | 2.00% |
