0.00% 

Minimum Guaranteed Interest:
1.00% to 3.00% varying by state on 100% compounded annually.

Accelerator Bonus:
8% of the initial premium is credited to the account value day one! Bonus amount, plus any interest earned vests over ten years. The account value available at any given time does not include bonus amounts that have not yet vested, except at death.

Bonus Vesting Schedule:	
Years 1 through 10: (10%, 20%, 30%, 40%, 50%, 60%, 70%, 80%, 90%, 100%) 

Minimum Premium:
$10,000 initial premium
$2,000 minimum per option
$2,000 minimum subsequent premium

Maximum Premium:
Home office approval is required for premiums in excess of $1,000,000. 

10 

0 - 85 

10%, 10%, 10%, 10%, 9%, 8%, 7%, 6%, 4%, 2%, 0%

For TX:
9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%

For WA:
9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%. 

The Minimum Guaranteed Surrender Value ("MGSV") on a full surrender is 87.5% of premium, plus daily interest accruing at the MGSV accumulation interest rate, less any current surrender charges. That rate is between 1% and 2.50% depending on issue state, is set at issue and fixed for the life of the contract. MGSV is reduced by prior withdrawals and is adjusted for any reallocations. 

Free Withdrawals - Each year, after the end of the first year, free partial withdrawals of up to 10% of the vested account value, as of the prior anniversary, less any prior free withdrawals taken during the current annuity year, may be taken.

Systematic Withdrawals - Regular systematic withdrawals are available on a monthly, quarterly, semi-annual or annual basis with a minimum withdrawal amount of $100. Systematic withdrawals that exceed the allowable 10% free partial withdrawal amount are subject to surrender charges.

Unscheduled Withdrawals - Up to four unscheduled partial withdrawals may be taken in any annuity year at a minimum withdrawal amount of $250. 

A choice of four indexed interest options and one fixed interest rate option to choose from:
1. 1-year annual point-to-point with a cap
2. 1-year monthly point-to-point with a cap
3. 1-year monthly average with a cap
4. 2-year monthly average, with cap
5. Fixed interest option
 

OMFN_Rates.pdf 

8% of the initial premium is credited to the account value day one! Bonus amount, plus any interest earned vests over ten years. The account value available at any given time does not include bonus amounts that have not yet vested, except at death.

Nursing Home Rider-if confined to licensed nursing home for more than 60 days after 1st contract yr.
(Not Available in CT, LA, MA, MN, MT, NV, NY, ND, OR, PA, UT, and WA.)

Terminal Illness Rider (owner diagnosed as having life expectancy of less than one year)

Unemployment Rider (if owner is under 65 & becomes unemployed any time after issue & remains unemployed for at least 30 days). 
Unemployment Rider NOT approved in WA.

There is no charge for these riders.

Death Benefit:
Upon the death of the owner, OM Accelerator Bonus products provide the greater of the total account value or the minimum guaranteed surrender value to the beneficiary named in the annuity. Surrender charges will be waived.

OM Income Advantage:
(Not Available in CT, LA, MN, MT, NY, ND, OR, SD, UT, VT, and WA.)

-4% or 6% Roll Up during Accumulation Phase 
-10 bps or 30 bps respectively from the Account Value
-Start, Stop, Start, Stop Income 
-Step Up Income Base during Withdrawal Phase any year Account Value is Greater than Income Base, Automatically 
-Increase Income Percentage as Ages increase when a Step Up Occurs during Withdrawal Phase. 
-Start Income after first year if over age 50
-Initial Income Base is equal to initial premium paid. The premium bonus and the roll-up rate earned on that bonus are vested over time according to the vesting schedule. 


Guaranteed Withdrawal Percentages:
Annuitant’s Age    Single Annuitant    Joint Annuitant*
0-49                          N/A                        N/A
50-59                      4.00%                      3.00%
60-69                      5.00%                      4.00%
70-79                      6.00%                      5.00%
80-89                      7.00%                      6.00%
90+                         8.00%                     7.00%


*Based on the age of the younger annuitant

 

Commission 
Age     All Options
                             
0-79          8.00% for years 1 thru 3        
80-85        4.00% for years 1 thru 3

For TX:
Age     All Options             
0-79         7.25%      
80-85       3.62% 

For WA:
Age     All Options             
0-79          6.75%      
80-85        3.37% 

Connecticut
Minnesota
New York
Oregon
Puerto Rico
Utah