NSS Annuity products/No maximum issue age


Rates effective: 4-1-2020


3 Year SPDA: "Optimum 3".


SPDA contract.

Maximum premium: $25,000.00.

Current rate: 2.00% guaranteed for 3 years, then liquid.

Minimum guarantee rate: 1.00%.

Maximum premium: $25,000.00.

Liquidity: 10% per contract year.

Surrender charges in excess of penalty free withdrawals:

6%,5%,4%.

Available in the following states:

WI,CT,IL,IN,NJ,OH,PA,WV,CA,NC,FL and CO.


5 Year FPDA: "Preferred Five"


FPDA contract.

Maximum premium: $100,000.00, without Home Office approval

Current rate: 3.00%

Current renewal rate for contracts 1 year old and older 3.25%.

Minimum guarantee rate 2.00%.

Liquidity: 10% penalty free withdrawals, each contract year.

Surrender charges in excess of penalty free withdrawals:

6%,5%,4%,3%,2%,0%.


Available in the following states:

WI,CT,IL,IN,NJ,OH,PA,WV,CA,NC,FL, and CO.



8 year FPDA: "Preferred Eight"



Maximum premium: $100,000.00 without Home Office approval

Current rate: 3.50%

Minimum guarantee 2.00%.

Liquidity: 10% penalty free withdrawals, years 1-8.

Surrender charges in excess of penalty free withdrawals:

9%,8%,7%,6%,5%,4%,3%,2%,0%.

Available in the following states:

WI,CT,IL,IN,NJ,OH,PA,WV,CA,NC,FL, and CO.


Single Premium Immediate Annuity "SPIA"


Period certain's from 5 years through 20 years.

Life contingencies, and joint life contingencies

available.

Current rates:

10 year certain and beyond 2.75%.

Less than 10 year certain periods 2.00%.

$100,000.00 max premium, without Home Office approval