Fixed index annuity review and rates

JourneyMark 10 with Cascade Rider

The JourneyMark with Cascade Rider offers accumulation potential from a diverse selection of interest crediting options, protection from market risk, and 10% free access to the account value when you need it.
Premium Bonus Benefit
We will credit an account value bonus equal to 6.5% of each Premium received. The credit will not be considered a premium payment. The bonus for your Initial Premium will be shown on the Rider Data Page. This credit is initially added as Non-Vested Account Value. Non-Vested Account Value is Account Value that is not available for withdrawal or surrender and cannot be applied to an Annuity Option. Non-Vested Account Value is included in the Death Benefit. The Rider Data Page reflects the Premium Bonus Vesting Schedule.

Guaranteed Minimum Accumulation Value (“GMAV”)
If your Account Value (plus interest calculated using the current “high water mark” of any applicable Indexed Interest Option) is less than the GMAV at the end of the Index Year immediately following the end of your Withdrawal Charge Period, we will increase your Account Value (including “high water mark” interest) to be equal to the GMAV. The GMAV is the premium, plus premium bonus, less withdrawals, including any withdrawal charges and MVA, less any rider charges, multiplied by an enhancement percentage of 110%. 
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
197% Participation
1-Year Fixed Account
3.8% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
152% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
217% Participation
1-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
71% Participation
2-Year Goldman Sachs Pathfinder PTP Participation Rate
Point to Point
116% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
33% 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%


Name Inbuilt Fee
JourneyMark 10 Cascade Rider Yes 1.00% annually (0.00% after 10 years)
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: 10%
Premium bonus
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, IRA Rollover, 401a, SEP IRA, IRA-Roth, Inherited IRA, NQ Stretch, and TSP