Safe Return

Offer your clients flexibility with Safe Return. This fixed-indexed annuity offers a return of premium guarantee, a bailout on indexed strategies, and features early withdrawal charges that end after 10 years. For a complete product description, see the Product Overview in the Marketing Materials section below.

Details

Issue Ages

Non-qualified 0-85Inherited non-qualified 0-75Inherited IRA 0-75Qualified 0-85

Tax Qualifications

Non-qualifiedQualifiedInherited non-qualified403(b) (Traditional and Roth)IRA (Traditional, Roth, SEP, SIMPLE and Inherited)Governmental and non-Governmental 457(b)

Purchase Payments

Subsequent purchase payments accepted in first two contract monthsIssued with single purchase payment

Purchase Payment Minimums and Maximums

Minimum:

$25,000

Subsequent:

$2,000 (Q)
$5,000 (NQ)

Maximum:

$1 million for ages 0-75
$750,000 for ages 76-80
$500,000 for ages 81+ without prior Home Office approval

Early Withdrawal Charges

10-year declining 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%

Free Withdrawal Allowance

During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge.After the first contract year, 10% of the account value as of the most recent contract anniversary may be withdrawn without an early withdrawal charge.In the event a cap or participation rate falls below its bailout rate, early withdrawal charges will be waived

Waivers

Terminal Illness WaiverExtended Care Waiver

Interest Strategies

Declared RateS&P 500 1-Year Point-to-Point with CapiShares U.S. Real Estate 1-Year Point-to-Point with CapS&P 500 Risk Control 1-Year Point-to-Point with Par Rate

Bailout cap

On indexed strategies, early withdrawal charges waived, if cap or participation rate for an indexed strategy ever falls below its bailout rate

Guaranteed Minimum Surrender Value (GMSV)

100% of purchase payments, plus interest credited daily at a minimum guaranteed rate, less withdrawals and any applicable early withdrawal charges and less an amount equal to the applicable early withdrawal charge rate multiplied by the account value

Return of Premium

The return of premium value is the sum of all purchase payments, less the sum of all net withdrawals and rider charges. Included at no extra charge.

Payout Options

Fixed period payoutLife payoutLife payout with payments for at least a fixed periodJoint and one-half survivor payout

All Annuities

Indexed

Fee-Based

Riders

Registered Index-Linked

Fixed & Immediate

Marketing Materials

Illustration Software

Product Rates

Calculators

Submit Business

Training

Learning

Marketing Materials

Forms & Kitting

Safe Return

Safe Return

Safe Return

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Interest Strategies

Bailout cap

Guaranteed Minimum Surrender Value (GMSV)

Return of Premium

Payout Options

Associated Riders

IncomeSecure

Inheritance Enhancer

Marketing Materials

Agent Approved - Product Materials

Client Approved - Product Materials

Client Approved - Crediting Methods

Product Brochure - Indexed Annuity

Product Brochure - Rider

Safe Return

Safe Return

Safe Return

A long-term income solution with flexibility for peace of mind

Details

Issue Ages

Tax Qualifications

Purchase Payments

Purchase Payment Minimums and Maximums

Early Withdrawal Charges

Free Withdrawal Allowance

Waivers

Interest Strategies

Bailout cap

Guaranteed Minimum Surrender Value (GMSV)

Return of Premium

Payout Options

Associated Riders

IncomeSecure

Inheritance Enhancer

Marketing Materials

New Business Kit

New Business Kit for Safe Return

Welcome