0.00% 

The guaranteed minimum interest rate is   2.25% on 87.5% on all premiums received, less any Withdrawals and may vary by state.
For TX: Currently: 3.00% on 87.5% of premium

There is a guaranteed 10% Premium Bonus on all 1st year premiums. Vested over 14 yrs.

For Indiana: 10% Premium Bonus on all 1st year Premiums for issue ages 0-73; and 5% Premium Bonus for Issue Ages 74-78.

***AK, DE, OR, SC and UT: 6% Premium Bonus on all 1st Yr. Premiums for Issue Ages 0-78.
Bonus vests over 10 years. 

Initial minimum Premium:$5000 NQ/Q. 

Maximum Premium:
Issue Ages 0-69     $1,000,000 
Issue Ages 70-74      $750,000 
Issue Ages 75-78      $500,000 

Additional premiums are automatically added to the Fixed Value and will remain there unless otherwise elected under the Transfer of Values Option on next Contract Anniversary.  Minimum additional premium is $50. You may make additional premium payments in any frequency. 

10 

0 - 78 

There are 10 years of surrender penalties, for most states. Surrender charges do not apply to the bonus. The penalties are expressed as a percent of accumulation value and are as follows:

Issue ages 0-78; 0-55 for TX: 10 years: 
12.5%, 12%, 12%, 11%, 10%, 9%, 8%, 7%, 6%, 4%, 0%

Surrender Charges do not apply to the Death Benefit. 

Death Benefit is the full Contract Value with no surrender charges and 100% bonus vesting at first to die of Owner or Annuitant.  Accordingly, please confirm for each state and contract.

Penalty-Free Withdrawals are 10% of Contract Value annually, starting in year 2.  

Systematic withdrawals and RMD from Fixed Value, as quickly as 30 days after the contract is issued. (This benefit is not guaranteed and subject to change). Systematic Withdrawals may be changed once each contract year with 30 days notice. The minimum must be $50 and once started will continue until notice to change or terminate is received.

Partial withdrawals are permitted at any time. The Penalty-Free amount is determined first, amounts above that are subject to Surrender Charges and the Bonus Vesting Schedule. Withdrawal in excess of the Penalty-Free amount will cause loss of part of the Accrued Bonus Amount. 

The product offers an option of six investment choices:
Fixed Account
S&P 500 Annual Monthly Average w/Cap
S&P 500 Annual Point to Point w/Cap
S&P 500 Monthly Point to Point w/ Cap & AFR
S&P 500 Annual Point to Point w/ PR, no cap
S&P 500 Annual Monthly Average w/ PR, no cap

All crediting options reset annually.  Interest is compounded and credited daily. 

AE_Rates.pdf 

Nursing Care Rider (NCR-100**) Automatically included, at no cost for Annuitants under age 75 at issue. Available after the 3rd contract year, if the annuitant is confined to a qualified Nursing Care Center for at least 90 consecutive days.

Terminal Illness Rider (TIR-100**) Automatically included, at no cost,  for Annuitants under age 75 at issue. Available after the first Contract Year, if the annuitant is diagnosed with a terminal illness by a qualified physician.

**Not available in every state. 
Special benefit riders such as Nursing Care, Terminal Illness and Transfer of Values are subject to various conditions and restrictions regarding issue ages, benefit amounts and eligibility. They may not be available on all annuity contracts and may vary by state.

Annuitization: available after the first contract year for a Life Option, with at least 5 years certain. Surrender charges apply. Normally, annuitization benefits are based on the Contract Value at the Maturity Date and on the Cash Surrender Value before the Maturity Date.  It is Company practice to apply the Contract Value if a life expectancy option is chosen or if the Settlement Option is at least two times the number of remaining Surrender Charge years, subject to the Contract’s minimum payout period.  This Company practice does not apply to Contracts with fixed Maturity Dates, is not guaranteed, is subject to change and varies by contract form.

Bonus Vesting Schedule:

Ages                           Ages 
0-78                            79-85
Year   Vesting            Year       Vesting	
1          0%                   1             0%
2          0%                   2             0%
3          0%                   3             0%
4          8.33%               4            16.67%
5          16.67%             5            16.67%
6          25%                  6            33.33%
7          33.33%             7            33.33%
8          41.67%             8             50%
9          50%                  9            66.67%
10        58.33%             10           83.33%
11        66.67%             11+         100%
12        75%
13        83.33%
14        91.67%
15+     100%		
			

Lifetime Income Benefit Rider-2010
Allows owner/annuitant (must be the same person) to receive guaranteed income for life w/o annuitization. The income amount is a percentage of the Income Amount Value (IAV) based on the age at time of election. IAV equals all 1st year premiums plus Premium Bonus plus either 5% or 8% annual interest for the ten year IAV period, or until the Lifetime Income Benefit Rider (LIBR) payments begin. There is no charge for the 5% IAV rate. For the 8% IAV rate option, a 0.45% rider fee is taken from the contract value every year the LIBR remains active. After ten years, there is a restart provision for another ten years at which time the rider fee charge is subject to change.  If the IAV is less than the contract value, the IAV will step up to equal the contract Value.

Owner/annuitant eligible to elect LIB payments at age 50 and after the first contract year.  LIB payments may also be stopped and restarted at O/A discretion.

LEVEL PAYMENT OPTION
O/A Age                   Single O/A                  Joint O/A
at election of LIB       % of IAV                    % of IAV
50-59                            4%                            3.5%
60-69                            5%                            4.5%
70-79                            6%                            5.5%
80+                              7%                             6.5%
			
INCREASING PAYMENT OPTION
O/A Age                   Single O/A                  Joint O/A
at election of LIB       % of IAV                    % of IAV
50-59                            3%                            2.5%
60-69                            4%                            3.5%
70-79                            5%                            4.5%
80+                              6%                             5.5%
*The current payment increasing percentage is 3%
 
The decision  to choose a payout option is done at the time income is elected.

Annual Statement of Value is provided at least once a year showing all transaction activity and values.

On each Contract Anniversary you may transfer money between crediting accounts.  The minimum transfer to select a new Value is 10% of the Contract Value.  The minimum balance to maintain a Value is $1,000.

Corporations may be accepted as Owners of deferred annuities if the Contracts are issued for the benefit of the named Annuitant (maximum issue age is 70).  However, earnings are reported as taxable gain each year.

Age is based on the Annuitant/Owner’s last birthday.

**Special licensing requirements for AL 

Issue Ages for TX: 0-55 

Commissions   
Age      NQ/Q    Year       Year      Year 	
                         1             2           3   
0-78     NQ/Q    6.00%     1.05%	   1.15%

*Additional new money added in years 2-5 is 2.75%.

For AK, DE, OR, SC,& UT:
Age      NQ/Q    Year       Year        Year 	
                         1             2           3  
0-78     NQ/Q     5.25%    0.92%    1.01%

*Additional new money added in years 2-5 is 2.75%.	

For IN:
Age      NQ/Q    Year       Year        Year 	
                         1             2           3  
0-73     NQ/Q    6.00%     1.05%     1.15%       	
74-78   NQ/Q    4.50%      0.79%	 0.86%

*Additional new money added in years 2-5 is 2.75%(0-73); 2.06% (74-78)

**Commission listed above in years 2 & 3 for premiums received in 1st year.	
 
   
First year commission is charged back if the Annuitant or Owner dies of natural causes before the first Contract Anniversary and the Contract Value is paid out in a lump sum.  Recovery is prorated 1/12 for each month the Contract is in force.   
 

Alabama
Connecticut
Minnesota
Nevada
New York
Pennsylvania
Puerto Rico
South Carolina
Utah
Washington