Fixed index annuity review and rates

JourneyMark 7 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.

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 107%
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
207% Participation
1-Year Fixed Account
Fixed
4% Fixed
1-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Annual
162% Participation
2-Year Citi Flexi-Beta 5 ER PTP Participation Rate
Point to Point
Biennial
230% Participation
1-Year Goldman Sachs Mariner PTP Participation Rate
Point to Point
Annual
147% Participation
2-Year Goldman Sachs Mariner PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
33% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
JourneyMark 7 Cascade Rider Yes 0.35% annually (0.00% after 7 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%
Surrender schedule
7 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