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Products

Index Annuity
with LTC		 Account Options Current Rates
(as of 11/09/2022)		 Surrender Charges Ages Premiums LTC Benefits Underwriting NeverStop Wellness Rider Fees Additional Riders
Bridge
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%.
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%.
S&P 500 1-Year Point-to-Point 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%.
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%.
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%.
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%.
5.00%
10.00%
40.00%
65.00%
150.00%
175.00%
10-Year1

 

9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

55 - 801 Flexible

Minimum
$50,000 NQ

$2,000 Minimum Additional
$250,000 per Year Max Additional after year 1

Maximum First-year Coverage2
$1,000,000

Tax-free3

No receipts required

Payable monthly
for 60 months

Guaranteed approval

3 underwriting classes

Ability to
opt-out
 Automatically included1

Offers the Owner an individualized program to promote successful aging and the opportunity to earn additional LTC benefit credits through participation

1% Premium Load2

Monthly LTC Rider Charge

$100 Annual
Wellness Rider Charge
 Nursing Home Waiver

Terminal Illness

1 May vary by state
2 If Inflation Rider is chosen, the Maximum First-year Coverage decreases to $250,000 and the Premium Load is increased and varies by Issue Age and Risk Class 
3 Long-Term Care Benefits are typically tax-free under Internal Revenue Code Section 7702B. Generally, the maximum tax-free Long-Term Care Benefit payable from all coverage on the same insured is limited to the greater of actual qualified Long-Term Care expenses or the per diem rate established by the IRS. 

• Minimum Guaranteed Rates for Bridge: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Part: 10%; 1-Year Monthly Avg Part: 10%; 1-Year Pt-to-Pt Part MARC 5%: 10% ; 1-Yr Pt-to-Pt Part Focus 50: 10%
• Free Withdrawals on Bridge: Interest only 1st contract year, 10% of Account Value years 2+
• Minimum Guaranteed Contract Value on Bridge : 87.5% of premium minus withdrawals, less monthly LTC rider charges, accumulated at the Minimum Guaranteed Contract Rate (2.80% for 2023 contracts).

 

 

Index Annuities Premium Bonus Account Options Current Rates
(as of 11/09/2022)		 Surrender Charges Ages Premiums Riders
MarketPower Bonus 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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
4.00%
8.00%
8.50%
55.00%
2.75%
18.00%
150.00%
200.00%
175.00%
14 Years1

 

20, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2%

0 - 75 First Year Only

Minimum
$10,000 NQ/Q

Minimum Additional
$2,000

Maximum
$2,000,0002

Income Rider with Chronic-Illness Doubler

Nursing Home Waiver3

Terminal Illness

MarketTen Bonus 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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
4.00%
8.00%
8.50%
55.00%
2.75%
18.00%
150.00%
200.00%
175.00%
10 Years1

 

10, 10, 10, 10, 8.5, 7, 5.5, 4, 3, 1.5%

0 - 80 Flexible

Minimum
$10,000 NQ / $5,000 Q

Minimum additional
$2,000

Maximum
$2,000,0002

 

Return of Premium

Income Rider with Chronic-Illness Doubler

Nursing Home Waiver3

Terminal Illness

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%
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
5.15%
10.50%
41.00%
12.00%
70.00%
3.10%
20.00%
175.00%
225.00%
200.00%
10 Years1

 

12, 12, 12, 12, 11, 10, 8, 6, 4, 2%

0 - 80 Flexible

Minimum
$10,000 NQ/Q

Minimum additional
$2,000

Maximum
$2,000,0002

Income Rider with Chronic-Illness Doubler

Nursing Home Waiver3

Terminal Illness Waiver

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%
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
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%.
5.00%
10.00%
40.00%
11.00%
65.00%
3.00%
20.00%
170.00%
220.00%
195.00%
7 Years1

 

9, 8, 7, 6.5, 5.5, 4.5, 3.5%

0 - 85 Flexible

Minimum
$10,000 NQ/Q

Minimum additional
$2,000

Maximum
$2,000,0002

 

Income Rider with Chronic-Illness Doubler

Nursing Home Waiver3

Terminal Illness Waiver

MarketFive 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%
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%.
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%.
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%.
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%.
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%.
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%.
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%.
5.00%
10.00%
50.00%
12.00%
95.00%
2.60%
175.00%
200.00%
5 Years1

 

9, 8, 7, 6.5, 5.5%

0 - 90 Flexible

Minimum
$10,000 NQ/Q

Minimum Additional
$2,000

Maximum
$2,000,0002

 

$2,000 Additional

 

Nursing Home Waiver3

Terminal Illness Waiver

1 May vary by state
2 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
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 (2.80% for 2023 contracts).
• Minimum Guaranteed Contract Value for MarketTen Bonus: 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract rate (2.80% for 2023 contracts), less surrender charges.

Rate Buy-Up Index Annuities Premium Bonus Account Options Current Rates
(as of 11/09/2022)		 Annual Fee Surrender Charges Ages Premiums Riders
MarketForce Bonus 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%.
Index Accounts with No Fee
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%.
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%.
Rate Buy-Up Index Accounts with Annual Fee
S&P 500 1-Year Point-to-Point Cap with Fee 

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%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.50% fee charged to the Account Value in this Account.
S&P 500 1-Year Point-to-Point Participation with Fee 

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%. A 1.50% fee will be charged to the Account Value in this Account.
Focus50 1-Year Point-to-Point Participation with Fee

Index credits are based on the percentage change in the Barclays Focus50 Index™ from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.50% fee will be charged to the Account Value in this Account.
MARC 5% 1-Year Point-to-Point Participation with Fee 

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%. This account will have a higher participation rate than the MARC5 PTP Part Account, due to the 1.50% fee charged to the Account Value in this Account.
4.00%
8.00%
175.00%
11.00%
45.00%
200.00%
225.00%
-
-
-
1.50%
1.50%
1.50%
1.50%
10 Years1

  16, 14.5, 13, 11.5, 9.5,  
8, 6.5, 5, 3, 1%  

0 - 80 First Year Only

Minimum
$10,000 NQ/Q

 Minimum additional 
$2,000

Maximum
$2,000,0002

Nursing Home Waiver3

Terminal Illness

 Income Rider Not Available 

MarketMax 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%.
Index Accounts with No Fee
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%.
MARC 5% 1-Year Point-to-Point Participation

Index increase based on the point-to-point change in the S&P MARC5 Index each year. Participation Rate applied to index increase and credited annually. Participation Rate may change annually (minimum 10%).
Rate Buy-Up Index Accounts with Annual Fee
S&P 500 1-Year Point-to-Point Cap with Fee

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%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.50% fee charged to the Account Value in this Account.
S&P 500 1-Year Point-to-Point Participation with Fee

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%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.00% fee charged to the Account Value in this Account.
Focus50 1-Year Point-to-Point Participation with Fee

Index credits are based on the percentage change in the Barclays Focus50 Index™ from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.00% fee will be charged to the Account Value in this Account.
MARC 5% 1-Year Point-to-Point Participation with Fee

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%. This account will have a higher participation rate than the MARC5 PTP Part Account, due to the 1.00% fee charged to the Account Value in this Account.
5.00%
10.00%
200.00%
13.00%
50.00%
225.00%
250.00%
-
-
-
1.00%
1.00%
1.00%
1.00%
10 Years1

9, 8, 7, 6.5, 5.5, 4.5,
3.5, 2.5, 1.5, 0.5%

0 - 80 Flexible

Minimum
$10,000 NQ/Q

Minimum additional
$2,000

Maximum
$2,000,0002

Nursing Home Waiver3

Terminal Illness

Income Rider Not Available

1 May vary by state
2 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
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 MarketForce Bonus and MarketMax : 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (2.80% for 2023 contracts).

Multi-Year Guarantee Annuity Ages Premium Guarantee Period Current Rates
(as of 08/17/2023)		 Surrender Charges Free Withdrawals Death Benefit Riders
Certainty Select 0-90 Single

Minimum
$10,000 NQ/Q

Maximum
$2,000,0001

3 Years
5 Years
6 Years
8 Years
10 Years
5.25%
5.50%
5.65%
5.70%
6.00%

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 $2,000,000, 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 (2.80% for 2023 contracts).

Traditional fixed Annuity Ages Premiums Premium Bonus Current Rates
(as of 08/17/2023)		 MVA Surrender Charges Free Withdrawals Riders
ChoiceFour
(Base Contract)
ChoiceFour
(MVA)
ChoiceFour
(Liquidity)
ChoiceFour
(Liquidity+ MVA)
0-85 First Year Only

Minimum
$10,000 NQ/Q

Maximum
$2,000,0001

None
1.50%
None
1.50%
5.50%
5.50%
5.00%
5.00%
None
Yes
None
Yes
9 Years2
12, 11, 10, 9, 8, 7, 6, 4, 2%
9 Years2
12, 11, 10, 9, 8, 7, 6, 4, 2%
6 Years2
12, 11, 10, 9, 8, 7%
6 Years2
12, 11, 10, 9, 8, 7%
Prior 12 months interest
Prior 12 months interest
Interest only on 1st contract year3, 10% of Account Value years 2+
Interest only on 1st contract year3, 10% of Account Value years 2+
Nursing Home Waiver4

Terminal Illness

1 Maximum cumulative premium for all products is $2,000,000, 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 (2.80% for 2023 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 08/17/2023)		 Monthly Payment
Confidence Income Annuity
0-90
0-85
Fixed Period
5-20 Years
Single & Joint Life
5-Years
10-Years
15-Years
20-Years
Life Only-Male 65
Life Only-Female 65
Joint Life-M 65/F 65
$1,839.40
$1,052.74
$797.78
$675.53
$655.22
$605.22
$540.19
$100 Monthly

Quaterly

Semi-Annually

Annually 		Single

Minimum
$30,000 NQ/Q

Maximum
$2,000,0001

Payments may vary in states with Premium Tax:
CA, CO, ME, NV, SD, WY
Life payments may vary by qualified type

 

1 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.

 

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