Flexible Premium Deferred

FPDA 5-Year Surrender Charge

Available in IA, IL, MD, MO, PA, TX, WV, & WI

• Non-Qualified & Qualified (including Roth)
• Joint ownership available on non-qualified
• Flexible Premium: Low minimum initial premium of $2,000
• Issue Ages 0-85
• 10% Free withdrawal each year**
• Surrender Charges: Yr 1-9%, Yr 2-8%, Yr 3-7%, Yr 4-6%, Yr 5-5%
• Low Band $2,000-$9,999
• Mid Band $10,000-$99,999
• High Band $100,000 and above
• Minimum Guarantee interest rate is 0.50%
• Nursing home benefit up to 50%. Only available for issue ages 80 & younger (no fee)***
• Unemployment up to 50%. Only available for attained ages 64 & younger (no fee)***
• Occurrence of a heart attack up to 25% (no fee)***
• Diagnosis of internal cancer up to 25% (no fee)***

** This provision only applies to the first two withdrawals within any given certificate year.

*** These provisions only apply in certificate years 2 and later and are limited to a single episode of one of these provisions only.

FPDA 7-Year Surrender Charge

Available in IA, IL, MD, MO, PA, TX, WV, & WI

• Non-Qualified & Qualified (including Roth)
• Joint ownership available on non-qualified
• Flexible Premium: Low minimum initial premium of $2,000
• Issue Ages 0-85
• 10% Free withdrawal each year**
• Surrender Charges: Yr 1-9%, Yr 2-8%, Yr 3-7%, Yr 4-6%, Yr 5-5%, Yr 6-4%, Yr 7-3%
• Low Band $2,000-$9,999
• Mid Band $10,000-$99,999
• High Band $100,000 and above
• Minimum Guarantee interest rate is 1.00%
• Nursing home benefit up to 50%. Only available for issue ages 80 & younger (no fee)***
• Unemployment up to 50%. Only available for attained ages 64 & younger (no fee)***
• Occurrence of a heart attack up to 25% (no fee)***
• Diagnosis of internal cancer up to 25% (no fee)***

** This provision only applies to the first two withdrawals within any given certificate year.

*** These provisions only apply in certificate years 2 and later and are limited to a single episode of one of these provisions only.

FPDA 8-Year Surrender Charge

Available in IA, IL, MD, MO, PA, TX, WV, & WI

• Non-Qualified & Qualified (including Roth)
• Joint ownership available on non-qualified
• Flexible Premium: Low minimum initial premium of $2,000
• Issue Ages 0-85
• 10% Free withdrawal each year**
• Surrender Charges: Yr 1-9%, Yr 2-8%, Yr 3-7%, Yr 4-6%, Yr 5-5%, Yr 6-4%, Yr 7-3%, Yr 8-2%
• Low Band $2,000-$9,999
• Mid Band $10,000-$99,999
• High Band $100,000 and above
• Minimum Guarantee interest rate is 1.00%
• Nursing home benefit up to 50%. Only available for issue ages 80 & younger (no fee)***
• Unemployment up to 50%. Only available for attained ages 64 & younger (no fee)***
• Occurrence of a heart attack up to 25%(no fee)***
• Diagnosis of internal cancer up to 25% (no fee)***

** This provision only applies to the first two withdrawals within any given certificate year.

*** These provisions only apply in certificate years 2 and later and are limited to a single episode of one of these provisions only.

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