A Fixed Indexed Annuity with a 16-year surrender period. This product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Ratings A.M. Best : A- Standard & Poor's: BBB+ 1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Average with Cap Rates Current Rates 10/01/2014 Cap Spread Part Rate Guaranteed Minimum Values Cap Spread Part Rate 20 none 0.00 10 30 none 0.00 10 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point Cap 10 Year U.S. Treasury Bond Value with Cap Bond Yield with Cap Performance Triggered 1.60 1.00 2.75 1.00 5.15 1.00 2.50 1.00 2.00 0 0.00 0 S&P 500 Dividend Aristocrats Daily Risk Control 5% Index Traditional Fixed Value (Rate guaranteed for 1 Year) State Specified Minimum Interest Rate: 1.50% Premium Bonus 2.25 none 10.00 0 1.35% Year: 1 Bonus Rate: 10.00 Accumulation Bonus Policy tes Verify all rates and provisions prior to contracting. 10/06/2014 Page 1 of 6
The is a Flexible Premium Deferred Annuity with a 16-year surrender charge period which pays a one year premium bonus of 10%. The offers a Fixed Interest Account and Multiple Equity Index Options. The Indexed Interest Rate is not calculated or credited between index crediting dates; consequently amounts surrendered between index crediting dates will not earn any interest credits. Any interest credit is applied to your annuity on its annual anniversary and is locked-in so future decreases in any index will not affect the interest already credited to your annuity. Product Riders Riders Available Provisions Free Look Period: 15 Days (Free look period may vary by state) Rate Lock Protection: - Bail Out Provision Available: Loan Provision Available: Tax Sheltered: Market Value Adjustment: MRD: Front-End Fee: Annual Maintenance Fee: Return of Premium Available: Death Benefit is: Yes Policy Value Premiums n-qual Qualified Min Single Premium: $5,000 $5,000 Max Single Premium: Up to age 69 $1,500,000 $1,500,000 Ages 70 to 74 $1,000,000 $1,000,000 Ages 75 + $750,000 $750,000 n-qual Qualified Owner: 80 80 Annuitant: 80 80 Annuitization Age: Ages Restrictions Max issue age is 64 in FL 100 100 Min Added Premium: $ 25 $ 25 Flexible Premiums Permitted: Product Life Free withdrawal 10% 1 free withdrawals Withdrawal is based on Accumulation Date of calculation is On Policy Issue Withdrawal interest only? After 30 Days Withdrawal accumulated value? After 1 year Withdrawal Provisions Minimum amount of a withdrawal is $50 Minimum account value is $2,000 LERO? Withdrawal Charges by Age/State Year: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 Verify all rates and provisions prior to contracting. 10/06/2014 Page 2 of 6
Age 0 to 80 in AR AZ CA CO DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MO MS MT NC ND NE NH NM PA RI SC SD TN VA VT WI WV WY Age 0 to 76 in Age 77+ in IN Free Withdrawals 17.50 16.50 15.50 15.00 14.00 13.00 12.50 11.50 10.50 10.00 9.00 7.50 6.00 4.50 3.00 1.50 Bonus Recapture & Vesting Schedule After the first Contract Year, you may make one Withdrawal each Contract Year of up to 10% of the Contract Value without a Surrender Charge. You may request systematic withdrawals of interest only, or amounts sufficient to satisfy a IRS minimum distribution in the first year. portion of a full Surrender during the Surrender Charge Period is penalty-free. Withdrawals processed within 12 months of Surrender are considered part of the Surrender transaction and are subject to surrender charges. te: The IRS may impose a 10% penalty on Withdrawals before age 59 1/2 except under specific conditions. See your tax advisor for details. Minimum Distributions See Systematic Withdrawal Loan Provision t Available Death Benefit The Death Benefit offers a variety of settlement options. Your beneficiary(ies) will have access to your contract's full value. Settlement options include a lump sum payout, the guaranteed income of annuitization, penalty-free and continued tax deferral if you are a spouse. The Death Benefit is the greater of the Contract Value or Minimum Guaranteed Surrender Value at the death of the Annuitant or Owner, whichever comes first. Verify all rates and provisions prior to contracting. 10/06/2014 Page 3 of 6
Terminal Illness (t available in CA MA) The TIR-100 allows a penalty-free withdrawal, after the contract is in force for one year, of up to 100% of the Contract Value for a terminal condition expected to result in death within one year, as diagnosed by a qualified physician. The proceeds may be used however you choose. A terminal illness is one which is anticipated to result in death within one yar. The diagnosis must be made by a qualified physician, defined as am MD or DO who is licensed to pratice medicine and who is not the annuitant, contract owner, or a member of either family. The Terminal Illness Rider is added to eligible annuity contracts in the states where approved if the age of the annuitant is less than 75 at policy issue. Nursing Home (t available in CA MA) This rider allows a 100% Penalty-free Withdrawal after the 3rd Contract Anniversary if the annuitant is confined in a qualified nursing care center for 90 consecutive days and confinement begins after the 3rd Contract Anniversary. If confinement occurs in the 2nd or 3rd contract year after issue and continues for 90 consecutive days, the rider allows an annual Penalty0free Withdrawal of 20% of contract value. The proceeds may be used however you choose. Qualified nursing care centers are care centers, licensed by the state, which provide 24-hour-a-day nursing care. They do not include drug or alcohol treatment centers, homes or community living centers for the aged or mentally ill, or places owned or operated by the annuitant's immediate family. Available for Annuitants under age 75 at issue. Systematic Withdrawals Systematic withdrawals are available Withdrawal Frequency: Annually Minimum account value is $2,000 Minimum amount of a withdrawal is $50 Systematic Withdrawal is a distribution program designed to simplify the payment of benefits from a deferred annuity without using a formal Settlement Option. This allows Systematic Withdrawal of interest only, or amounts sufficent to satisfy IRS minimum distributions rules. Interest Only Interest credited to the contract since the last payment will be distributed at the appropriate intervals. Payments made more frequently than once a year result in slightly less total interest than annual distributions due to the loss of compounding over time. Fixed Amount We pay the same amount in each payment, regardless of future interest rates or other withdrawal acitvity. Fixed Percentage We distribute a fixed percent of the Contract Value in regular installments. The amount of the payments may vary from year to year since they will be recalculated on each contract anniversary. te: The IRS will impose a 10% penalty on Withdrawals before age 59% except under specific conditions. All Systematic Withdrawal amounts are considered interest for tax purposes. Fixed Amount and Fixed Percentage options may also reduce the premium. As of August 28, 2014 this product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Bonus Recapture Verify all rates and provisions prior to contracting. 10/06/2014 Page 4 of 6
Age 0 to 80 in AR AZ CA CO DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MO MS MT NC ND NE NH NM PA RI SC SD TN VA VT WI WV WY Age 0 to 76 in Age 77+ in IN [1] [] Withdrawal Charges by Age/State Year: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17.50 16.50 15.50 15.00 14.00 13.00 12.50 11.50 10.50 10.00 9.00 7.50 6.00 4.50 3.00 1.50 Bonus Recapture & Vesting Schedule Withdrawal Provisions Nursing Home: t available in CA MA Terminal Illness: t available in CA MA Effective date of commission schedule: 08/28/2014 Commissions Commissions are subject to change at any time without notice. Verify all commissions prior to contracting Bonus Gold (Index 1-07) (All approved states Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Initial Premium: 6.00% 1.00% 1.00% Renewal Premiums: 2.75% 2.75% 2.75% 2.75% Verify all rates and provisions prior to contracting. 10/06/2014 Page 5 of 6
(All approved states except those listed below) FL Ages 76-80 Year 1 Year 2 Year 3 Year 4 Year 5 Initial Premium: 4.50% 0.75% 0.75% Renewal Premiums: 2.06% 2.06% 2.06% 2.06% Up to age 64 Year 1 Year 2 Year 3 Year 4 Year 5 Initial Premium: 6.00% 1.00% 1.00% Renewal Premiums: 2.75% 2.75% 2.75% 2.75% Commissions listed above in years 2 and 3 are for premiums recieved in the first year. Verify all rates and provisions prior to contracting. 10/06/2014 Page 6 of 6