0.00% 

Secure Bonus 115+ offers 3% first-year only interest rate bonus on the Contract Value Account. It also offers a Guaranteed Lifetime Income Benefit, which includes a 15% bonus (Not available in WA), providing a lifetime annual income while maintaining access to your money. 

The Guaranteed Lifetime Income Account Value, which includes the 15% bonus, compounds at 6% each contract anniversary for the first ten years, or until the income benefit is activated if earlier.

Minimum Guaranteed Interest:87.5% of the prem. paid, less withdrawals, compounded from 1% to 3% per year 

• $25,000 minimum single premium
• $1,000,000 maximum single premium without home office approval 
 

10 

0 - 85 

10-Yr: 12%,12%,11%,10%,9%,8%,7%,6%,4%,2%
				
For AK, CT, DE, MN, OR, SC, TX and UT:
10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% 

After 1st yr, 10% of Account Value.
Systematic withdrawals may be specified by dollar amount or percentage of Contract Value with your choice of payout frequency.
Waiver of withdrawal charges due to nursing home confinement and/or terminal illness.
 

ForeThought_Rates.pdf 

Guaranteed Lifetime Annual Income Account:
(Not in WA) 
• Includes a 15% bonus applied to the initial premium received.
• Guaranteed to be at least 115% of the premium, less prior withdrawals, accumulated at 6% interest annually for the first 10 years, or until the date the benefit is exercised, if earlier. The rider charge is 0.30% for all years.

Guaranteed Lifetime Income Benefit:
Activate at any time after age 59 1/2 (and after the first contract year). Provides a guaranteed annual income you can systematically withdraw for as long as you live, even if the Contract Value falls to zero.
 Contract Value continues to receive positive indexed interest gains even after electing to begin the Guaranteed Lifetime Income Benefit.

Guaranteed Lifetime Income Benefit Factor depends on the Guaranteed Lifetime Income option chosen:

Attained    Single Life   Single Life   Joint Life    Joint Life
Age At        Level           with              Level          with
Option         Income       COLI*          Income       COLI*
Date
59.5 – 70      5%             4%	        4%           3%
71 – 80         6%             5%              5%           4%
 81+             7%              6%              6%           5%

Note: The above are current declared rates at contract issue guaranteed for 13 months. Declared rates may change if the income option is elected in the 14th policy month or later, but are guaranteed for life once the income option is elected. 

Attained Age at Option Date (59+)
Age     Gtd. Min.  Gtd. Min.    Gtd. Min.    Gtd. Min.
1-10      5%             4%              4%	 3%
11+       4%             3%              3%	 2%

*2% annual cost of living increases begin on 2nd anniversary following	activation of the benefits and end once the Contract Value is depleted.

Annuitization options available after 5th year without penalty; 10- yr minimum payout.

Death Benefit: Full contract value without any withrawal charges.

Set Up Benefit
On each contract anniversary the Gtd. Lifetime Annual Income is equal to the greater of the current Gtd. Lifetime Annual Income or the income factor selected above, multiplied by the Contract Value.

Optional Death Benefit Rider :
Guarantees your death benefit is equal to no less than initial premium paid, increasing by 5% of premium, less withdrawals, at the end of each year, until age 85 or until the rider death benefit is equal to 200% of the premium, less withdrawals, whichever comes first. Available at issue only for ages 0-75. There is an annual charge for this rider of 0.75% of the accumulation value.

Liquidity Riders (Surrender waived):
Nursing Home Rider (if confined to licensed nursing home for more than 60 days after 1st contract yr); Terminal Illness Rider. 

Commissions-
0-75:  7.00%
76-85: 4.50%

** Commissions for AK,CT, DE, MN, OR, SC, TX and UT are reduced by 1%

Upon all withdrawals (full and partial) and death in the first contract year (only): 
Issues ages up to 80; 100% months 1-6, 50% months 7-12.
Issues ages 81+; 100% months 1-12.
 

Alaska
California
Indiana
Missouri
New York
North Dakota
Oregon
Puerto Rico
Washington
West Virginia