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FIXED INDEX ANNUITY
Week of October 21, 2019
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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+|82 | ||
|---|---|---|---|---|---|
 | Single Life | $7,743 (5.25% withdrawal rate) | $11,700 (6.00% withdrawal rate) | 1.10% annual rider charge | |
| 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) | |||
| 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 |
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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 | 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% |
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% |
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| 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% |
7 YEAR
| Power 7 Protector | $100,000+ | $25,000 - $99,999 | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| 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% |
| 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% |
| Asia Plus 7 | $5,000+ | RATINGS - BEST|S&P|COMDEX A|A|78 | |||
|---|---|---|---|---|---|
 | POINT TO POINT CAP (50% part) | 2.55% | FREE WITHDRAWAL: 10% All Years Not Available In: N/A (rates less in NY) |
||
| POINT TO POINT CAP (100% part) | 2.40% | ||||
| MONTHLY CAP | 1.05% | ||||
| FIXED RATE | 1.20% | ||||
10 YEAR
| OptiBlend 10 | $100,000+ | $10,000 - $99,000 | RATINGS - BEST|S&P|COMDEX A+|AA-|90 | ||
|---|---|---|---|---|---|
| POINT TO POINT CAP | 4.50% | 3.65% | FREE WITHDRAWAL: 10% All Years Not Available In: NY |
|
| UNCAPPED S&P 500 PAR RATE | 36% | 30% | |||
| VOLATILITY CONTROL PAR RATE | 100% | 80% | |||
| FIXED RATE | 1.50% | 1.40% |
| 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 October 21, 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+ | 2.10% | 2.10% | 2.10% | FREE WITHDRAWAL: 15% All Years SURRENDER LENGTH: Rolling |
|
| $50,000 - $99,999 | 1.95% | 1.95% | 1.95% | |||
| $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
| 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% |
| American Pathway VisionMYG | Year 1 - 5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| $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% |
| Ultra-Premier 5 | Year 1-5 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|AA-|93 | ||
|---|---|---|---|---|---|
 | $25,000+ | 2.25% | 2.25% | 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+ | 2.15% | 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
| Focused Growth 7 | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|84 | ||
|---|---|---|---|---|---|
| $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% |
| American Pathway VisionMYG | Year 1 - 7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A|A+|82 | ||
|---|---|---|---|---|---|
| $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% |
| Ultra-Premier 7 | Year 1-7 | Effective Yield | RATINGS - BEST|S&P|COMDEX A+|AA-|93 | ||
|---|---|---|---|---|---|
| $25,000+ | 2.40% | 2.40% | 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+ | 2.50% | 2.50% | Not Available In: NY FREE WITHDRAWAL: FREE WITHDRAWAL: Interest Only SURRENDER LENGTH: Rolling |
|
| $15,000 - $99,999 | 2.40% | 2.40% |
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 | 2.30% | 1.30% | 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 | 2.20% | 1.20% |
| Citadel 7 | Year 1 | Year 2 (Base Rate) | RATINGS - BEST|S&P|COMDEX A|A|78 | ||
|---|---|---|---|---|---|
| $100,000 - $1,000,000 | 3.40% | 1.40% | 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 | 3.30% | 1.30% |
