LiveWell Preferred 8 Rate & Reviews

LiveWell Preferred 8

The LiveWell Preferred 8 is a flexible premium deferred fixed index annuity. An annuity is a long-term Contract issued by an insurance company. In exchange for a premium payment, the insurance company agrees to make payments to you later on. This annuity provides an accumulation value that may earn interest through a fixed account and various index accounts (if selected). While the fixed account earns a fixed rate of interest each year, index accounts earn interest credits based on how an underlying index performs. Interest credits are guaranteed to never be less than zero. This annuity also provides several options for accessing funds.

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 (TX Only)	Fixed	2.8% Fixed
1-Year Fixed Account	Fixed	2.8% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.55% Cap
1-Year S&P 500 LV DRC 5% PTP Spread	Point to Point Annual	1.75% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Annual	85% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Annual	125% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Biennial	175% Participation
1-Year Fixed Account (TX Only)	Fixed	3% Fixed
1-Year Fixed Account	Fixed	3% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.8% Cap
1-Year S&P 500 LV DRC 5% PTP Spread	Point to Point Annual	1.55% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Annual	90% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Biennial	130% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Annual	135% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year Fixed Account (TX Only)	Fixed	3.2% Fixed
1-Year Fixed Account	Fixed	3.2% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	10.05% Cap
1-Year S&P 500 LV DRC 5% PTP Spread	Point to Point Annual	1.35% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Annual	95% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate	Point to Point Biennial	135% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Annual	140% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate	Point to Point Biennial	190% Participation

Surrender schedule

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

Riders

Name	Inbuilt	Fee
LiveWell Income for Life	No	1.20% annually
LiveWell Legacy Protector	No	0.35% annually