Highlights
Product Type
Flexible Premium Deferred Fixed Indexed Annuity
Contract Term Withdrawal Charge Period
10 Years
8 Years
Annuitant
0–80: Q/NQ 0–85: Q/NQ
Issue Ages
Owner
(If Different from Annuitant)
Minimum Maximum Additions
Q - $2,000 NQ - $5,000
Premium
Up to $1,500,000 per annuitant without prior approval
$100 Minimum
5% of premiums received in the first policy year Subject to a 10 year vesting schedule.
Premium Bonus
Monthly Average with a Participation Rate and Asset Fee Rate
Option A Option U Option B
Index Strategies
Low Volatility Annual Point-to-Point
Fixed Interest Rate
Minimum Guaranteed Interest Rate
The Minimum Guaranteed Interest Rate is never less than 1.00% and never more than 3.00%.
Interest available systematically in lieu of Free Withdrawal option above. Each payment must be at least $100.00. See Policy for details. Account Value and the Bonus Value payable as single sum or under a Settlement Option, if Annuitant dies before Annuity Date. If Annuitant dies on or after the Annuity Date, we will pay the Beneficiary any unpaid guaranteed amounts provided by the Settlement Option in force on the date of death. 10% of the Account Value plus any Vested Bonus Value once annually after the first Policy Year. IRA Qualified — RMD free of a Withdrawal Charge in all Policy Years.
Free Withdrawals
Systematic Interest
Death Benefit
Policy Loan Annuitization
Non-qualified contracts only; loan rate is 7.4% in advance.
Annuitize at full Contract Value on 10th Policy Anniversary.
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