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Multi-Select: Multi-Year Guaranteed Annuity

Enjoy the stability of predictable growth for a time period you choose. Our Multi-SelectSM Annuity offers an interest rate that is guaranteed for a time period of your choice so the growth of your account is steady and predictable.

Policy Features

  • Interest rate is locked-in and guaranteed for the period you choose1
  • Designed for long-term accumulation of funds and building retirement income
  • Access to your money when needed most:
    • Interest Withdrawals during year one
    • 10% Free Withdrawal Provision after year one

Surrender/Withdrawal Charge Schedule

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
3-Year 10% 9% 8%
4-Year 10% 9% 8% 7%
5-Year 10% 9% 8% 7% 6%
6-Year 10% 9% 8% 7% 6% 5%
7-Year 10% 9% 8% 7% 6% 5% 4%
8-Year 10% 9% 8% 7% 6% 5% 4% 3%
9-Year 10% 9% 8% 7% 6% 5% 4% 3% 2%
10-Year 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%
  • Interest Only Withdrawals during year one
  • 10% Free Withdrawal Provision after the first contract year
  • Waiver of Surrender/Withdrawal Charges for3:
    • Home Health Care Benefit
    • Terminal Illness Benefit
    • Nursing Home Benefit

Issue Age by Guarantee Period

Issue ages for this product range from 18-80. However, some limits apply depending on the guarantee period you select. Please refer to the table below for allowable issue ages by guarantee period.

Issue Age 3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year
18-75
76
77
78
79
80

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