Fixed index annuity review and rates

JourneyMark 10

The JourneyMark base product (without an optional rider) offers accumulation potential from a diverse selection of interest crediting options, protection from market risk, and 5% free access to the account value when you need it. To meet various retirement time horizons, The 5-year version is available exclusively to issue ages 86–90.
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
5-Year Citi Flexi-Beta 5 ER High Water Mark Participation Rate
High Water Mark
5-Year
187% Participation
1-Year Fixed Account
Fixed
3.6% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Annual
145% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Biennial
207% Participation
1-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
Annual
67% Participation
2-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
Biennial
110% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
30% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%
Integrity Legacy Marketing Group
Founded: 1888
A.M. Best: A+
Fitch: AA
S&P: A+
Moody's: Aa3
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 5%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, IRA Rollover, 401a, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP