0.00% 

Min. Guaranteed Interest-3.00% on 90% compounded annually.    

Minimum: Initial premium determines minimum EFT amounts:
- If initial premium is greater than or equal to $5,000, EFT optional/min. of $100 monthly.
- If initial premium is less than $5,000, EFT required/min. of $300 monthly.
Future non-EFT contributions must be at least $2,000.
Minimum EFT requirement lasts for life of contract

Maximum Premium: $1,000,000 ($500,000 above age 75) without home office approval 

8 

0 - 80 

8-Yr  (8%,7%,6%,5%,4%,3%,2%,1%,0%) 

Liquidity-10% of account value including first year; 
Systematic withdrawal of interest available after 30 days; RMD available (pertains to qualified contracts). 

Annuitization Option-Available after 5th yr. without penalty 

-No Asset Fees, Spreads, or Margins
-Annual Reset to Lock-in Gains
-Full Accumulation Value at Death
 

(1) Global Multiple Index Account with Cap: Annual Pt-to-Pt using 3 global indices: S&P 500 Index, the Dow Jones EURO STOXX 50 Index, and the Nikkei 225 Index up to a cap. The cap is declared when the contract is issued and then again on every anniversary.  Annual credited interest is determined by adding the following 3 values together and then comparing the sum to the Cap:
-50% of the calculated change in the index with the highest return during the year.
-30% of the calculated change in the index with the 2nd highest return during the year.
-20% of the calculated change in the index with the lowest return during the year.

(2) Annual Pt-to-Pt Account with Participation Rate based on S&P 500
(3) Monthly Pt-Pt with Cap based on S&P 500
(4) Fixed Interest Account
 

AIG_Rates.pdf 

Extended Care Rider-(if confined to licensed nursing home for more than 90 days after 1st contract yr); Owner must be less than age 86.  There is no charge for this rider.

Guaranteed Minimum Withdrawal Benefit-
There is no upfront charge for this rider. Payments may begin after first year and are recalculated each year; payments can never decrease from yr. to yr. as long a no excess withdrawals have been taken. Payments
increase upon attained age reaching a higher income percentage bracket as well as due to an increased annuity value. When GMWB payments begin, a rate differential may be applied. 

Example: If an index cap is 7% and the rate differential is 0.25%, then the client would have an index cap of 6.75%.		
		
(GMWB may not available in all states, call your marketer for details)

Guaranteed Withdrawal Percentages
Annuitant’s Age	Single Annuitant	Joint Annuitant**
55-59		4.50%		3.50%
60-64		5.00%		4.00%
65-69		5.50%		4.50%
70-74		6.00%		5.00%
75-79		6.50%		5.50%
80-84		7.00%		6.00%
85+		7.50%		6.50%
					**For Joint Owners, average the two ages
 

Age     Commission 
                             
0-75          6.00%         
76-80        4.75%

*Applies to most states; may vary in some states. Consult your contract to confirm actual commission. 

Connecticut
Vermont