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An 8 Year Deferred Annuity with liquidity features from day one!

Current New Issue
Crediting Rate: 4.00%

Issue Ages: 0 – 80 Minimum Guaranteed Rate: 2.75%

Initial Rate Guarantee Period: One Year Additional Deposits are permitted.*

Eligible for Qualified Plans: Yes

Your initial interest rate is guaranteed for the first contract year. For subsequent contract years, your interest rate will be based, month to month, on the New Issue Crediting Rate for the Flex 8 contracts, and is guaranteed to NEVER be less than 3%. Therefore, this contract has the ability to respond to an increasing interest rate environment, while consistently giving you the highest crediting rate on any newly issued annuity contract!

Withdrawal provisions: surrender charge free withdrawals in EACH contract year!

 Year One = 10% of the initial deposit.

2 Years Two through Eight = 10% in each year based on the account value at the end of the previous contract year.

Withdrawals exceeding the permitted amounts will be subject to a surrender charge. Surrender charges in the first year are 9%, and are reduced by 1% in each subsequent year of the eight year contract. (9% - 8% - 7% - 6% - 5% - 4% - 3% - 2%).

Please note: Any interest or gain in the withdrawal will be subject to taxes and, if withdrawn prior to age 59 ½, may also be subject to a 10% early distribution penalty imposed by the IRS.

Long Term Care Waiver: No surrender charges will be imposed on withdrawals or surrender of this contract upon receipt of acceptable proof that the annuitant has become confined to a Long Term Care Facility.
*Please check for state availability*