BSMG National Rates

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FIXED INDEX ANNUITY
Week of January 27, 2020
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FEATURED INCOME RIDER

Lifetime Income Plus (9.00% Annual Income Credits)			Income starting at age 65*	Income starting at age 70*	RATINGS -BEST\|S&P\|COMDEX A\|A+\|82
		Single Life	$7,395 (5.10% withdrawal rate)	$11,115 (5.85% withdrawal rate)	1.10% annual rider charge
		Single Life	7.39% cash flow***	11.11% cash flow***	Not Available In: NY
		Join Life**	$6,670 (4.60% withdrawal rate)	$10,165 (5.35% withdrawal rate)
		Join Life**	6.67% cash flow***	10.16% 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	4.00%	3.65%	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)	3.75%	3.40%	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	3.85%	3.65%	FREE WITHDRAWAL: 10% All Years Not Available: NY
		PERFORMANCE TRIGGER	2.95%	2.80%	FREE WITHDRAWAL: 10% All Years Not Available: NY

5 YEAR

Landmark 5			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	4.75%	4.50%	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%

OptiBlend 5			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|91
		POINT TO POINT CAP	4.75%	3.75%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	40%	30%
		VOLATILITY CONTROL SPREAD	2.30%	2.65%
		VOLATILITY CONTROL PAR RATE	94%	84%
		FIXED RATE	2.00%	1.55%

Accumulator 5			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP	4.50% (2.50% bailout cap)	4.00% (2.50% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	75%	70%
		MONTHLY CAP	1.45%	1.25%
		FIXED RATE	1.90%	1.60%

7 YEAR

Power 7 Protector			$100,000+	$25,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		POINT TO POINT CAP	4.90%	4.10%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	36%	28%
		VOLATILITY CONTROL	75% (participation rate)	60% (participation rate)
		FIXED RATE	1.80%	1.80%

American Legend 7			$100,000+	$10,000 - $99,999	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		POINT TO POINT CAP	4.85%	4.60%	FREE WITHDRAWAL: 10% All Years Not Available In: NY Rates Less In: AK, CA, PA, 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\|78
		POINT TO POINT CAP	4.75% (3.00% bailout cap)	4.50% (3.00% bailout cap)	FREE WITHDRAWAL: 10% All Years Not Available: NY
		VOLATILITY CONTROL	80%	75%
		MONTHLY CAP	1.55%	1.45%
		FIXED RATE	2.00%	1.90%

Asia Plus 7			$5,000+		RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		POINT TO POINT CAP (50% part)	4.25%		FREE WITHDRAWAL: 10% All Years Not Available In: N/A (rates less in NY)
		POINT TO POINT CAP (100% part)	3.75%
		MONTHLY CAP	1.50%
		FIXED RATE	1.75%

10 YEAR

OptiBlend 10			$100,000+	$10,000 - $99,000	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|91
		POINT TO POINT CAP	4.25%	3.40%	FREE WITHDRAWAL: 10% All Years Not Available In: NY
		UNCAPPED S&P 500 PAR RATE	40%	28%
		VOLATILITY CONTROL PAR RATE	100%	76%
		FIXED RATE	1.40%	1.30%

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 January 27, 2020
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3 YEAR

Milestone MYGA 3			Year 1-3	Effective Yield	RATINGS - BEST\| A-
		$100,000+	2.50%	2.50%	Free withdrawal: 10% after 1 Year Surrender Length: 7 Years Liquid on 3rd Anniversary Not Available: CT, MT, NY Rates Less In: CA
		$50,000 - $149,999	1.75%	1.75%
		$15,000 - $49,999	1.15%	1.15%

SecureGain 3			Year 1 - 3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$100,000+	2.25%	2.25%	FREE WITHDRAWAL: 10% All Years Surrender Length: 6 Years Liquid on 3rd Anniversary Not Available: HI, IN, NY, OR, & VA Rates Less In: AK & UT
		$10,000 - $99,999	2.00%	2.00%

Preferred Series 3			Year 1	Year 2-3	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|A+\|90
		$100,000+	2.15%	2.15%	2.15%	FREE WITHDRAWAL: 15% All Years SURRENDER LENGTH: Rolling
		$50,000 - $99,999	2.00%	2.00%	2.00%
		$5,000 - $49,999	1.80%	1.80%	1.80%

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

Milestone MYGA 5			Year 1-5	Effective Yield	RATINGS - BEST\| A-
		$100,000+	3.00%	3.00%	Free withdrawal: 10% after 1 Year Surrender Length: 7 Years Liquid on 5th Anniversary Not Available: CT, MT, NY Rates Less In: CA
		$50,000 - $149,999	2.35%	2.35%
		$15,000 - $49,999	1.85%	1.85%

SecureGain 5			Year 1-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|81
		$100,000+	Yr 1 2.50%; Yr 2 2.45%; Yr 3 2.55%; Yr 4 2.65%; Yr 5 2.75%	2.60%	FREE WITHDRAWAL: 10% All Years Surrender Length: 5 Years Not Available: NY Rates Less In: CT, IN, MN, MO, OH, VA
		$10,000 - $99,999	Yr 1 2.45%; Yr 2 2.30%; Yr 3 2.40%; Yr 4 2.50%; Yr 5 2.60%	2.45%

Focused Growth 5			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|84
		$100,000+	2.60%	2.60%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	2.50%	2.50%

American Pathway VisionMYG			Year 1 - 5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		$100,000+	2.40%	2.40%	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	2.10%	2.10%

Ultra-Premier 5			Year 1-5	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|93
		$25,000+	2.35%	2.35%	Not Available: CA, DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling

6 YEAR

Palladium MYG 6			Year 1	Year 2 - 6	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$100,000+	2.60%	2.60%	2.60%	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	2.50%	2.50%	2.50%

7 YEAR

Focused Growth 7			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|84
		$100,000+	2.65%	2.65%	Not Available In: NY FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	2.55%	2.55%

American Pathway VisionMYG			Year 1 - 7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|82
		$100,000+	2.40%	2.40%	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	2.10%	2.10%

Ultra-Premier 7			Year 1-7	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A+\|AA-\|93
		$25,000+	2.50%	2.50%	Not Available: CA, DE, MT, NM, & NY FREE WITHDRAWAL: 10% SURRENDER LENGTH: Rolling

10 YEAR

Focused Growth 10			Year 1 - 10	Effective Yield	RATINGS - BEST\|S&P\|COMDEX A\|A+\|84
		$100,000+	2.65%	2.65%	Not Available In: NY FREE WITHDRAWAL: FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling
		$15,000 - $99,999	2.55%	2.55%

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	2.60%	1.60%	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	2.50%	1.50%

Citadel 7			Year 1	Year 2 (Base Rate)	RATINGS - BEST\|S&P\|COMDEX A\|A\|78
		$100,000 - $1,000,000	3.85%	1.85%	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	3.75%	1.75%