Fixed index annuity review and rates
JourneyMark 5
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
|
212%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.15%
Fixed
|
| 1-Year Citi Flexi-Beta 5 ER PTP Participation Rate |
Point to Point
Annual
|
167%
Participation
|
| 2-Year Citi Flexi-Beta 5 ER PTP Participation Rate |
Point to Point
Biennial
|
240%
Participation
|
| 1-Year Goldman Sachs Mariner PTP Participation Rate |
Point to Point
Annual
|
155%
Participation
|
| 2-Year Goldman Sachs Mariner PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
36%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 5% | 4% | 3% | 2% | 1% |
Integrity Legacy Marketing Group
Founded:
1888
A.M. Best:
A+
Fitch:
AA
S&P:
A+
Moody's:
Aa3
Brochure
Free withdrawal
1st year: 0%
2nd+ year: 5%
2nd+ year: 5%
Surrender schedule
5 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