Current rates as of 3-1-2020


5 YEAR FPDA: SILVER ELITE


FLEX CONTRACT, NO ROLLING SURRENDER CHARGES.


CURRENT RATE: 3.00% GUARANTEED THROUGH 12/31/2018,2.00% MINIMUM GUARANTEE.

PORTFOLIO RATE ANNUITY, RATES CAN RISE WITH MARKET RATES BUT CAN NEVER BE LESS THAN 2.00%.

LIQUIDITY: 10.00% PENALTY FREE WITHDRAWALS YEARS 1-5.

SURRENDER CHARGES IN EXCESS OF PENALTY FREE WITHDRAWALS: 6.00%, 5.00%, 4.00%, 3.00%, 2.00%.

ISSUED THROUGH AGE 85.


7 YEAR FPDA: GOLD ELITE


FLEX CONTRACT, NO ROLLING SURRENDER CHARGES.


CURRENT RATE: 3.25%, GUARANTEED THROUGH 12/31/2018, 2.00%

MINIMUM GUARANTEE RATE.

PORTFOLIO RATE ANNUITY, RATES CAN RISE WITH MARKET RATES,

BUT WILL NEVER BE LESS THAN 1.50%.

LIQUIDITY: 10.00% PENALTY FREE WITHDRAWALS YEARS 1-7.

SURRENDER CHARGES IN EXCESS OF PENALTY FREE WITHDRAWALS:

8.00%, 7.00%, 6.00%, 5.00%, 4.00%, 3.00%, 2.00%.

ISSUED THROUGH AGE 85.


10 YEAR FPDA: PLATINUM ELITE


FLEX CONTRACT, NO ROLLING SURRENDER CHARGES.


CURRENT RATE: 3.50%, GUARANTEED THROUGH 12/31/2018, 2.50%

MINIMUM GUARANTEE RATE.

PORTFOLIO RATE ANNUITY, RATES CAN INCREASE WITH MARKET RATES, BUT WILL NEVER BE BELOW 2.50%.

LIQUIDITY: 10.00% PENALTY FREE WITHDRAWALS YEARS 1-10.

SURRENDER CHARGES IN EXCESS OF PENALTY FREE WITHDRAWALS:

9.00%, 9.00%, 8.00%, 7.00%, 6.00%, 5.00%, 4.00%, 3.00%, 2.00%, 1.00%.

ISSUED 0-79.


AVAILABLE IN MOST STATES, CALL FOR STATE AVAILABILITY.


COMMISSIONS: 2.50% FOR ALL THREE ANNUITY CONTRACTS.