Safe Income Advantage Rate & Reviews

Safe Income Advantage

Safe Income Advantage is a Flexible Premium Fixed Indexed Deferred Annuity. This policy includes an Enhanced Guaranteed Minimum Withdrawal Benefit Rider. The included EGMWB Rider could benefit customers who wish to trigger a lifetime withdrawal feature. You may deposit premium at any time prior to the Maturity Date and before electing to begin the Withdrawal Period under the EGMWB Rider.

Eligible ages
Non-qualified: 0-80
Qualified: 18-80
If joint owner, eligibility is based on older owner’s age

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	1% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	2% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	2% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1% Cap
1-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread	Point to Point Annual	75% Participation 2% Spread
1-Year CIBC Balanced Asset 5 PTP Participation Rate	Point to Point Annual	110% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread	Point to Point Biennial	100% Participation 2% Spread
2-Year CIBC Balanced Asset 5 PTP Participation Rate	Point to Point Biennial	115% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	1.75% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	12%	11%	10%	9%	8%	7%	6%	5%	4%	3%

Riders

Name	Inbuilt	Fee
Safe Income Advantage: EGMWB Level	Yes	1.15% annually (1.50% max)
Safe Income Advantage: EGMWB Increasing	Yes	1.15% annually (1.50% max)
Safe Income Advantage: EGMWB Inflation-Adjusted	Yes	1.15% annually (1.50% max)