Flexible Premium Deferred
Available in IA, IL, MD, MO, OH, PA, TX, WV, & WI
2- Year FPDA
Premium Amount $2,000 & Up: 3.25%
5- Year FPDA
Premium Amount $50,000 & Up: 5.50%
Premium Amount $10,000-$49,999: 5.35%
Premium Amount $2000-$9,999: 4.35%
7- Year FPDA
Premium Amount $50,000 & Up: 5.85%
Premium Amount $10,000-$49,999: 5.70%
Premium Amount $2000-$9,999: 4.70%
Flex APY shown is the first year guarantee rate. See flyer for second year rate. APY for following years is not guaranteed and can fluctuate up or down during the term of the annuity. APY will never drop below the minimum guaranteed interest rate as stated in the certificate.
Product Features:
- Available in 2 year, 5 year or 7 year term
- Available in both qualified and non-qualified
- Issue Ages 0-85 (5 or 7 year term)
- Issue Ages 0-97 (2 year term)
- Minimum premium $2,000
- Minimum guaranteed interest rate is 2%
- Interest compounded daily
- Tax deferred growth
- Ability to add additional funds
- Death benefit is full account value
- 10% penalty free withdrawal allowed each contract year
- Distributions above the penalty free amount are subject to a 9% fee in the first year. The fee decreases by 1% in each subsequent year. No surrender penalties after the initial term.
Surrender Charge Waiver Provisions Included:
This provision waives the surrender charge on partial withdrawals up to varying percentages of the fund value for the occurrence of one of the following events:
- Nursing home benefit – up to 50% of fund value
- Only available for issue ages 80 & younger
- Must be confined to nursing home for at least 90 days
- Unemployment – up to 50% of fund value
- Only available for attained ages 64 & younger
- Occurrence of a heart attack – up to 25% of fund value
- Diagnosis of internal cancer – up to 25% of fund value
NOTE: These provisions only apply in certificate years 2 and later and are limited to a single episode of one of these provisions.
Rates effective 7/1/2025. Annuity rates subject to change. Consult a tax advisor to determine any tax implications.