Focused Growth Annuity 3, 5, 7 and 10 A rewarding blend of safety, growth and fexibility If you like the interest rate guarantees of deferred annuities, explore the Focused Growth Annuity single-premium deferred annuity. The Focused Growth Annuity offers features to optimize your growth potential. It’s a good ft if you’re a long-term saver who likes the benefts of tax-deferred growth and protection as part of your retirement strategy. Few taxable investments provide this blend of safety, growth and fexibility. Look over the features of the Focused Growth Annuity to learn whether this annuity fts into your future plans.
“Triple-compounding” boosts the benefts of tax-deferred annuities. This means the annuity earns interest on: • Your initial premium payment, also called the principal • The interest itself • The tax savings, which is the amount you would have paid as income taxes
Focused Growth Annuity Guarantees Rate Guarantees - 3, 5, 7 or 10 years 1
Initial Rate Guarantee Period We guarantee the annual interest rate in effect at the time you buy the annuity for 3, 5, 7 or 10 years, depending on the option you select. Interest is calculated and credited daily.
At the end of the term, you may withdraw your money or automatically start a new guaranteed-rate period.
Subsequent Rate Guarantee Period If you choose to continue your annuity, new interest rate guarantee periods and surrender-charge periods automatically begin at the end of your initial term, then again at the end of each subsequent term. 2 All subsequent terms will be for the same duration as your initial guarantee period. For example, if you chose a Focused Growth Annuity 3, all subsequent guarantee periods will be 3 years. During the frst 30 days of each term, you may withdraw some or all of your funds without a surrender charge or market value adjustment. The Standard sets a new interest rate at the beginning of each rate guarantee period, and we guarantee the rate for that period. The new rate may be higher or lower than the interest rate of your initial rate guarantee period.
1. All rate guarantee periods may not be available; contact your agent for details. 2. Subject to restrictions in Florida; contact your agent for details.
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