Flexible Premium Deferred Annuity Interest Rates

#1 - There is no policy fee while the account balance is greater than $3,000. An annual $24.00 fee is applied whenever the balance is less than $3,000 and there has not been at least $1,000 deposited during the preceding policy year.

#2 - Each of the above plans will be issued with a Nursing Home Rider providing the owner's age is 75 or younger at the time of issue. After the owner has had 60 consecutive days of confinement to a Nursing Home, additional partial withdrawals are available without surrender charge.

#3 - Penalty free partial withdrawls are available once per policy year - up to 10% of the account value.

The guaranteed minimum interest rate is 1% for all years. The net accumulation is called the annuitized value. A surrender charge is levied against the accumulation if surrendered during the first nine contract years. The surrender charge for this plan is 9% the first year and decreases 1% per year. The cash value is the surrender value. A partial withdrawal provision permits withdrawal of up to 10% of he Annuitized Value per year without incurring the surrender charge.

This page provides a brief review of key points of the above noted annuities. Please review the actual annuity policy for specific information.