3.10% 

The interest rate is fixed and guaranteed for 5.

The minimum guaranteed rate is either (a) 3.0%, (b) 1.5% or (c) floating between 1.0% and 3.0%.  See the company's state chart for the guaranteed minimum in your state. 

Minimum Premium: $5,000 NQ (0-90) & $2,000 Q (0-90)
Maximum: None, except any premium amount over $1,000,000 must first be approved by the home office. 

5 

0 - 90 

5 Year:
9%, 8%, 7%, 6%, 5%

 

Interest earned may be withdrawn without penalty beginning 30 days after issue.  The minimum withdrawal amount is $500 and the minimum balance after withdrawals is $500.  Withdrawals over the free amounts are subject to the surrender penalties.  A market value adjustment may apply to withdrawals and may increase or decrease the surrender value.

There are two automatic payment options for systematic 
withdrawal of interest: (1) a specific amount, or (2) interest only.  Withdrawals may be made monthly, quarterly, semi-annually or annually, subject to the minimums allowed.  The minimum systematic payment allowed is $100. 

OMFN_Rates.pdf 

Issue age is last birthday for both owner and annuitant.

Rate protection on 1035 exchanges is 60 days.
Nursing Home-
If you are confined to a licensed nursing home for more than 60 days and the confinement begins after the first annuity year, we will waive the surrender charges for withdrawals made during your confinement.

Terminal Illnes- If, after the first year of your annuity, you are diagnosed by a licensed physician to have an illness or condition that causes your life expectancy to be less than one year, we will waive the surrender charges on your annuity.

Unemployment Waiver: If the owner is under age 65 and becomes unemployed any time after the annuity is issued, and remains unemployed for at least 30 days.

Full Accumulation Value at Death

 

Commission
Age      
    5-YEAR              
0-79        2.50%                     
80-90      1.25%              
      
Commissions will be reduced 0.5% for all sales over $600,000 to the same client in the same year, and additions that raise the total above $600,000 to the same client in the same year will result in a retroactively chargeback of commissions to first dollar.  Sales that replace existing policies of the company will be paid at a reduced rate.  

Commission chargeback is 100% during the first year and 50% during the second year and shall apply to full surrenders or any partial surrender exceeding the free surrender amount.  There will be an adjustment in commissions to the SPIA level for policies that are annuitized in the first policy year.  There is no commission chargeback on death of a policyholder.
 

Minnesota
New York
Oregon
Puerto Rico
Washington