Products
| Index Annuities | Premium Bonus | Interest/Index Rates Rates differ when Income Benefit Rider (IBR) elected |
Surrender Charges | Ages | Premiums | Riders | ||
|---|---|---|---|---|---|---|---|---|
| Account Options | Non IBR | IBR | ||||||
| MarketPower Bonus Index | 10% of premium in year 1 |
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0%. |
1.10% | 1.10% |
14 Years2 20, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2% |
0 - 75 |
First Year Only
Minimum
Maximum
$2,000 Additional
|
Income Rider with Chronic-Illness Doubler Nursing Home Waiver Terminal Illness |
|
S&P 500 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500 Index® from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. |
2.25% | 2.25% | ||||||
|
S&P 500 1-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary to the monthly index average, up to a specified cap. The minimum cap is 1.0%. |
2.50% | 2.50% | ||||||
|
S&P 500 1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
30.00% | 30.00% | ||||||
|
S&P 500 1-Year Monthly Cap
Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%. |
1.10% | 1.10% | ||||||
|
S&P 500 2-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous two-year contract anniversary to the monthly index average over a two-year period, up to a specified cap. The minimum cap is 3.0%. |
4.00% | 4.00% | ||||||
|
Focus50 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
40.00% | 40.00% | ||||||
|
Focus50 2-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
55.00% | 55.00% | ||||||
|
MARC 5% 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
45.00% | 45.00% | ||||||
| MarketTen Bonus Index | 6% of premium in years 1-5 |
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0% |
1.00% | 1.00% |
10 Years2 10, 10, 10, 10, 8.5, 7, 5.5, 4, 3, 1.5% |
0 - 80 |
Flexible
Minimum
Maximum
$2,000 Additional
|
Return of Premium Income Rider with Chronic-Illness Doubler Nursing Home Waiver Terminal Illness |
|
S&P 500 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. |
2.00% | 2.00% | ||||||
|
S&P 500 1-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary to the monthly index average, up to a specified cap. The minimum cap is 1.0%. |
2.25% | 2.25% | ||||||
|
S&P 500 1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
20.00% | 20.00% | ||||||
|
S&P 500 1-Year Monthly Cap
Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%. |
1.10% | 1.10% | ||||||
|
S&P 500 2-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous two-year contract anniversary to the monthly index average over a two-year period, up to a specified cap. The minimum cap is 3.0%. |
4.00% | 4.00% | ||||||
|
Focus50 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
30.00% | 30.00% | ||||||
|
Focus50 2-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
50.00% | 50.00% | ||||||
|
MARC 5% 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
40.00% | 40.00% | ||||||
| MarketValue Index |
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0% |
2.50% | 2.50% |
10 Years2 12, 12, 12, 12, 11, 10, 8, 6, 4, 2% |
0 - 80 |
Flexible
Minimum
Maximum
$2,000 Additional
|
Income Rider with Chronic-Illness Doubler Nursing Home Waiver Terminal Illness Waiver |
|
|
S&P 500 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. |
4.50% | 4.50% | ||||||
|
S&P 500 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
30.00% | 30.00% | ||||||
|
S&P 500 1-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary to monthly index average, up to a specified cap. The minimum cap is 1.0%. |
5.00% | 5.00% | ||||||
|
S&P 500 1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
55.00% | 55.00% | ||||||
|
S&P 500 1-Year Monthly Cap
Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%. |
1.85% | 1.85% | ||||||
|
S&P 500 2-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous two-year contract anniversary to the monthly index average, up to a specified cap over a two-year period. The minimum cap is 3.0%. |
12.00% | 12.00% | ||||||
|
Focus50 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
90.00% | 90.00% | ||||||
|
Focus50 2-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
120.00% | 120.00% | ||||||
|
MARC 5% 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
100.00% | 100.00% | ||||||
| MarketSeven Index |
1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0% |
2.40% | 2.40% |
7 Years2 9, 8, 7, 6.5, 5.5, 4.5, 3.5% |
0 - 85 |
Flexible
Minimum
Maximum
$2,000 Additional
|
Income Rider with Chronic-Illness Doubler Nursing Home Waiver3 Terminal Illness Waiver |
|
|
S&P 500 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. |
4.25% | 4.25% | ||||||
|
S&P 500 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
28.00% | 28.00% | ||||||
|
S&P 500 1-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary to monthly index average, up to a specified cap. The minimum cap is 1.0%. |
4.75% | 4.75% | ||||||
|
S&P 500 1-Year Monthly Average Participation
Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
50.00% | 50.00% | ||||||
|
S&P 500 1-Year Monthly Cap
Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%. |
1.90% | 1.90% | ||||||
|
S&P 500 2-Year Monthly Average Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous two-year contract anniversary to the monthly index average over a two-year period, up to a specified cap. The minimum cap is 3.0%. |
10.00% | 10.00% | ||||||
|
Focus50 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
85.00% | 85.00% | ||||||
|
Focus50 2-Year Point-to-Point Participation
Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
115.00% | 115.00% | ||||||
|
MARC 5% 1-Year Point-to-Point Participation
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. |
95.00% | 95.00% | ||||||
1 Maximum cumulative premium for all products is $1,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
2 May vary by state
3 Available through age 80
• Minimum Guaranteed Rates for Index Annuities: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Part: 10%; 1-Year Monthly Avg Cap: 1.00%; 1-Year; Monthly Avg Part: 10.00%; 1-Year Monthly Cap: 0.50%; 2-Year Monthly Avg Cap: 3.00%; 1-Year Pt-to-Pt Part MARC 5%: 10% ; 1-Yr Pt-to-Pt Part Focus 50: 10%; 2-Yr Pt-to-Pt Part Focus 50: 10%
• Free Withdrawals on Index Annuities: Interest only 1st contract year, 10% of Account Value years 2+
• Minimum Guaranteed Contract Value for all Index Annuities except MarketTen Bonus : 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (2% for 2021 contracts).
• Minimum Guaranteed Contract Value for MarketTen Bonus: 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract rate (1% for 2021 contracts), less surrender charges.
| Multi-Year Guarantee Annuity | Ages | Premium | Guarantee Period | Current Rates (as of 08/21/2020) |
Surrender Charges | Free Withdrawals | Dealth Benefit | Riders |
|---|---|---|---|---|---|---|---|---|
| Certainty Select | 0-90 |
Minimum Maximum |
3 Years 5 Years 6 Years 8 Years 10 Years |
1.20% 1.70% 1.85% 2.00% 2.20% |
10, 10, 9% 2 10, 10, 9, 9, 8% 2 10, 10, 9, 9, 8, 8% 2 10, 10, 9, 9, 8, 8, 7, 7% 2 10, 10, 9, 9, 8, 8, 7, 7, 6, 5% 2 |
Cumulative Interest Beginning Immediately | Full Accumulation Value |
Nursing Home Waiver3 Terminal Illness |
1 Maximum cumulative premium for all products is $1,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
2 May vary by state
3 Available through age 80
• Minimum Guaranteed Contract Value for Certainty Select : 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (2% for 2021 contracts).
| Traditional Fixed Annuity | Ages | Premiums | Premium Bonus | Current Rates (as of 04/14/2021) |
MVA | Surrender Charges | Free Withdrawals | Riders |
|---|---|---|---|---|---|---|---|---|
|
ChoiceFour (Base Contract) |
0-85 |
Minimum Maximum |
None | 2.60% | None |
9 Years2 12, 11, 10, 9, 8, 7, 6, 4, 2% |
Prior 12 months interest |
Nursing Home Waiver4 Terminal Illness |
|
ChoiceFour (MVA) |
1.50% | 2.60% | Yes |
9 Years2 12, 11, 10, 9, 8, 7, 6, 4, 2% |
Prior 12 months interest | |||
|
ChoiceFour (Liquidity) |
None | 2.00% | None |
6 Years2 12, 11, 10, 9, 8, 7% |
Interest only on 1st contract year3, 10% of Account Value years 2+ | |||
|
ChoiceFour (Liquidity+ MVA) |
1.50% | 2.00% | Yes |
6 Years2 12, 11, 10, 9, 8, 7% |
Interest only on 1st contract year3, 10% of Account Value years 2+ |
1 Maximum cumulative premium for all products is $1,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
2 May vary by state
3 By Current Company Practice
4 Available through age 80
• Minimum Guaranteed Contract Value for ChoiceFour: 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract rate (1% for 2021 contracts), less surrender charges.
| Single Premium Immediate Annuity | Ages | Annuity Options | $100,000 Premium | Minimum Payment | Payment Modes | Premium | Additional Notes | |
|---|---|---|---|---|---|---|---|---|
| Current Rates (as of 10/20/2020) |
Monthly Payment | |||||||
| Confidence Income Annuity | 0-90 |
Fixed Period 5-20 Years |
5-Years | $1,671.15 | $100 |
Monthly Quaterly Semi-Annually Annually |
Minimum Maximum |
Payments may vary in states with Premium Tax: CA, ME, NV, SD, WY |
| 10-Years | $899.09 | |||||||
| 15-Years | $653.22 | |||||||
| 20-Years | $534.72 | |||||||
| 0-85 | Single & Joint Life | Life Only-Male 65 | $486.27 | Life payments may vary by qualified type | ||||
| Life Only-Female 65 | $439.97 | |||||||
| Joint Life-M 65/F 65 | $386.13 | |||||||
1 Maximum cumulative premium for all products is $1,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.