The Benefits of Premier Voyage
Premier Voyage provides you with the choice of multiple guarantee periods in which to invest your initial purchase payment as well as the ability to easily renew your contract value into the same or a different guarantee period at the end of your guarantee period. You can purchase Premier Voyage with a minimum purchase payment of $10,000. Your annuity contract has the potential to receive higher interest rates based on the amount of your purchase payment and the size of the contract value you renew into a new multi-year guarantee period. Guarantee Periods Initial guarantee period
At the end of each guarantee period As each guarantee period approaches its end, you will have a window period to decide what you would like to do. You can renew into any available multi-year guarantee period — with or without adding more money — or you can “park your money” into a one-year guarantee period until you are ready to make a decision. 5 While a one-year guarantee period offers a lower fixed rate than a multi-year guarantee period, you may want to consider this option if you want the freedom to access your money without a surrender charge, or Market Value Adjustment (MVA), or if you want the flexibility to renew into a multi-year guarantee period at any time you choose. 6 Please note that if you do not notify us of your choice by the end of the guarantee period, your contract value will automatically renew into a one-year guarantee period.
Premier Voyage is a multi-year guarantee fixed deferred annuity. When you first purchase a contract, you have the flexibility of choosing an initial guarantee period of anywhere from two to seven years .
2 YEARS 3 YEARS 4 YEARS 5 YEARS 6 YEARS 7 YEARS
The window period is the last 30 calendar days of a multi-year guarantee period plus the renewal date.
5 Contract owners in Florida who are 65 or older at contract issue cannot choose to renew into a multi-year guarantee period that would provide a guarantee period end date that would exceed 10 years beyond the issue date. 6 Withdrawals of earnings will be subject to ordinary income tax and may be subject to an additional 10% federal income tax if taken prior to age 59½.
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