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Product Description

• Three- or five-year guaranteed interest rate lock period (with a five-year surrender charge schedule) provides flexibility.
• Our interest rate renewal history demonstrates consistent interest rates – not just the minimum guaranteed interest rates.
• The guaranteed minimum interest rate stated on your client's contract, and their earnings, are guaranteed (during the first five years, the guaranteed minimum interest rate will be 2 percent, thereafter, the rate will never be less than 1.5 percent) – even if current rates at the time are lower.
• Free annual withdrawals of up to 10 percent of the contract value per contract year provide access (100% access if admitted to a hospital or nursing home for 30 consecutive days or longer and submitted within 60 days of discharge).
• If the contract is surrendered, even prematurely, clients are guaranteed to always receive back what they contributed, less prior withdrawals if they have chosen Guaranteed Return of Purchase Payment at the time of purchase.
• Tax-deferred growth helps clients reach their goals faster thanks to compounding interest and earnings.
• After the first contract year and anytime before their 101st birthday, clients may convert their annuity's accumulated value – with no surrender charges – into a guaranteed income stream.¹

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