Interest Rate Guaranteed for 7 years

Issue Ages 0-85 (age of last birthday)

Minimum Premium $10,000 qualified or non-qualified

Monthly Interest Option Available after 30 days

Withdrawal Privileges 10% FREE withdrawals. Policyowners may withdraw up to 10% of the accumulated contract value each year after the first year, without a withdrwal charge.

Interest Rate Lock Qualifies for interest rate lock for 45 days on incoming transfers from other financailinstitutions.

Withdrawal Charges If a policyowner is required to take a Required Minimum Distribution (RMD) on a tax-qualified annuity, the withdrawal charges are waived on any RMD amount that exceeds the 10% free withdrawal provision. (RMD distributions are included in the 10% free withdrawal amount.) Any withdrawal requested in excess of that allowed under one of the penalty-free withdrawal options is subject to the following withdrawal charges, which can vary slightly by state*.

Contract Year 1 2 3 4 5 6 7 8
Withdrawal Charge 9% 8% 7% 6% 5% 4% 3% 0%

No MVA Withdrawal charges are waived in the event of the annuitant’s death. Withdrawal charges apply at the death of a non-annuitant owner, if death occurs during the withdrawal charge period.

Annuitization Available after 12 months for ten years or longer.

Acknowledgement of Delivery Required with all cases.

Suitablility Form Required with all cases at the time of application.

Ideal For Tax-Qualified Rollover Plans For example, IRA, SEP. 403(b), etc. (Inherited and Stretch IRAs are not available with Bankers.)

Nursing Care Waiver If a covered condition occurs to the annuitant, the policyowner may withdraw up to 50% of accumulated contract value without a withdrawal charge. A covered condition is defined as confinement in a Residential Care Facility or Skilled Nursing Facility for at least 90 consecutive days. The contract must be in force for at least 90 days to be covered.

(For Agent use only. Rates and states are subject to change without notice.)