| The Standard |
|
FGA 6 |
| A |
| 6 Year(s) |
| $100k+ |
$15k+ |
|
|
| 3.10% |
3.00% |
|
|
| 3.10% |
3.00% |
|
|
| 3.10% |
3.00% |
|
|
| N/A |
N/A |
|
|
| |
| 45 Days from receipt of application |
| $1,000,000 without prior H.O. approval |
| $15k Qualified & Non-Qualified |
| Single |
| N/A |
| N/A |
| 3.00%-1.50% - new minimum interest rates will be applied by state and can change monthly. Click Here For Details |
| 90 Qualified & Non-Qualified |
| 6 Years
8,7,6,5,4,3,0% |
| Market Value Adjustment (MVA):
During the surrender period, an MVA is applied to withdrawals or surrenders that are subject to surrender charges. The MVA is based on changes in the yields on US Treasuries and may increase or decrease the annuity’s surrender value. |
| Yes |
| No |
| Interest Payments Regular payments of earned interest are available beginning in contract year one. Your clients may choose to receive monthly, quarterly, semi-annual or annual interest payments. Payments cannot be less than $100. |
| No |
| Yes: After the first year, if you become a nursing home resident for 30 or more consecutive days,
surrender charges are waived on withdrawals. [The nursing home waiver is not available in Massachusetts.] |
| Yes: After the first contract year, if you become terminally ill, surrender charges are waived on
withdrawals. Not available in some states. [In Massachusetts, the terminal illness waiver is available during — rather than
after — the first contract year.] |
| No |
| Yes: You may convert your FGA into a payout annuity with The Standard and pay no surrender charges, provided you choose a life payment option or a payment period of 5 years or more. |
| None |
 Always one of the most competive rates! No WINDOW! Issues to age 90.
|
2.00%
1.00%
0.77%
|
00-80
81-85
86-90
|
|
Commission Chargeback:
100% of commission will be recaptured on FGAs surrendered during the first six contract months. Fifty percent of commission will be recaptured on SRAs surrendered between the sixth and twelfth contract months.
There is no chargeback on death of the annuitant.
|
| Not Available in NJ NY PA |
| Click Here |
| Click Here |
| FGA 6 Client Sales Literature |
FGA 6 Agent Sales Literature |
Click Here  |
|
|
| Click Here |
Click Here  |
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