Retirement Stages 7 Rate & Reviews

Retirement Stages 7

Like all fixed index annuities (FIAs), Retirement Stages 7 is a fixed index annuity that offers growth potential, principal protection, and income options to help you reach your retirement goals. Your benefits are delivered in two “stages”:

Growing and protecting your savings while you’re working.
Options for income when you retire.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.75% Fixed
1-Year First Trust Capital Strength Barclays 5% PTP Participation Rate	Point to Point Annual	150% Participation
1-Year Morgan Stanley Global Opportunities PTP Participation Rate	Point to Point Annual	140% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7.5% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7
Penalty	9%	8%	7%	6%	5%	4%	3%

Riders

Name	Inbuilt	Fee
Return of Premium Rider	No	0.40% annually