Issue Ages Non-Qualified: 0 – 90 | Qualified: 0 – 65

Minimum Premium $10,000

Maximum Premium $500,000 (home office approval need for higher amounts)

Withdrawal Privileges Policyholders are permitted to access unlimited withdrawals (minimum of $1,000) of their accumulated accounts for any reason after policy issue. Each withdrawal will be subject to a 1% redemption fee schedule.

Contract Year 1 2 3 4 5 30-Day Window 6-10 11
Withdrawal Charge 1% 1% 1% 1% 1% 0% 1% 0%
Up Front Sales Load 5% of initial premium

Window Period Upon the expiration of the guaranteed rate period there will be a 30-day window during which a partial or complete withdrawal can be made without a redemption fee. At the conclusion of the 30-day window any withdrawals of the remaining balance will be subject to a 1% redemption fee for an additional 5-year schedule.

Annuitization Available after 12 months for five years or longer. Not subject to a redemption fee.

Acknowledgement of Delivery Required with all cases.

Suitability Form Required with all cases at time of application.

* Illustration based upon an initial deposit of $100,000 and assumes no withdrawals during interest accumulation. Comparison based upon the Bankers 5-year SPDA annuity. Rates are subject to change at the insurance company’s discretion. Product features, limitations and availability may vary by state.
For Agent use only. Rates and states are subject to change without notice. Approval does not imply endorsement of any insurer or product.