Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Safe Income Advantage

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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
1.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
2.5% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
2.5% 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
1% Spread
1-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
120% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Biennial
100% Participation
1% Spread
2-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Biennial
125% Participation
1-Year BlackRock Market Advantage PTP Participation Rate with Spread
Point to Point
Annual
50% Participation
2-Year BlackRock Market Advantage PTP Participation Rate with Spread
Point to Point
Biennial
70% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
2.25% 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)