VANTAGE SPDA ANNUITY SERIES:

CURRENT RATES 3/1/2020


1 YEAR-VANTAGE ANNUITY: SPDA

2.10% CURRENT RATE GUARANTEED FOR 1 YEAR. MINIMUM GUARANTEE 1.00% AFTER SURRENDER PERIOD.


2 YEAR-VANTAGE ANNUITY: SPDA

2.40% CURRENT RATE GUARANTEED FOR 2 YEARS. MINIMUM GUARANTEE 1.00% AFTER SURRENDER PERIOD.


3 YEAR-VANTAGE ANNUITY: SPDA, STEP UP RATE ANNUITY

2.65% CURRENT RATE GUARANTEED FOR 1ST YEAR, THEN INCREASES TO 2.65% IN THE 2ND YEAR, AND 3RD YEAR INCREASES TO 2.85%


ALL THREE CONTRACTS HAVE A 45 DAY WINDOW PRIOR TO MATURITY TO CASH OUT PENALTY FREE, OR MOVE TO ANOTHER ANNUITY. IF CLIENT ELECTS TO KEEP THE MONEY IN THE ANNUITY AT MATURITY, THE CONTRACT WILL CONTINUE ON FOR THE BALANCE OF THE 5 YEARS. ALL 3 CONTRACTS ALLOW FOR A 10% FREE WITHDRAWAL AFTER THE 1ST YEAR, AND EACH SUBSEQUENT YEAR.

$5,000.00 MINIMUM PREMIUM. $50,000.00

MAXIMUM PREMIUM PER CONTRACT PER CLIENT. ALL CONTRACTS ISSUED THROUGH AGE 90!


5 YEAR-VANTAGE ANNUITY: FPDA


3.15% CURRENT RATE GUARANTEED FOR 2 YEARS. NO ROLLING SURRENDER CHARGES FOR ADDITIONAL DEPOSITS. MINIMUM GUARANTEE RATE 2%. PORTFOLIO RATE PRODUCT, RATES CAN GO UP OR DOWN AFTER THE 2ND YEAR WITH MARKET RATES BUT NEVER LESS THAN THE STATED GUARANTEE MINIMUM RATE AT ISSUE, AFTER THE 2ND YEAR. 10% PENALTY FREE WITHDRAWAL EACH YEAR. $1,000.00 MINIMUM PREMIUM, $250,000.00 MAXIMUM DEPOSIT WITHOUT HOME OFFICE APPROVAL. ISSUED THROUGH AGE 90!


7 YEAR-VANTAGE ANNUITY: FPDA


3.50% CURRENT RATE GUARANTEED FOR 2 YEARS. NO ROLLING SURRENDER CHARGES FOR ADDITIONAL DEPOSITS. MINIMUM GUARANTEE RATE 2%. PORTFOLIO RATE PRODUCT RATES CAN GO UP OR DOWN WITH MARKET RATES AFTER THE 2ND YEAR. OTHER FEATURES SAME AS THE 5 YEAR-VANTAGE: FPDA  

SPIA Rates:


3.50% for Ten Years or more!


2.75% for 5 to 9 Years!




SURRENDER CHARGE SCHEDULE:

1,2,3, AND 5 YEAR VANTAGE ANNUITIES:

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


SURRENDER CHARGE SCHEDULE:

7 YEAR-VANTAGE: FPDA

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


AVAILABLE IN THE FOLLOWING STATES: CT,IL,IN,MA,MI,NJ,

NY "SPIA ONLY",OH,PA, AND WI.