Personal Income Annuity (Group B) Rate & Reviews

Personal Income Annuity (Group B)

Personal Income Annuity is a fixed indexed annuity designed to help address three of your retirement income needs:

Protection: Securing income for life with an optional guaranteed lifetime income benefit.
Flexibility: Meeting your individual time horizon and needs.
Growth: Accumulating your assets while protecting against market downturns.

Personal Income Annuity includes a choice of guaranteed minimum withdrawal benefit riders that can provide you with a guaranteed income stream for life. Whether you want to begin your guaranteed income immediately or at a future date, each rider offers competitive income enhancing features to maximize your potential guaranteed benefits. Your guaranteed income amount will depend on your Income Benefit Base, age at issue, age at rider exercise and whether you elect a Single or Spousal benefit.

Income Benefit
Income Today if withdrawals begin:
Year 1 30%
Year 2 37.5%
Year 3 45%
Plus 3% simple roll-up years 3-10 Income Tomorrow: Annual roll-up amount: 14% Restart available

Income Tomorrow:
Annual roll-up amount: 14% Restart available

Available in states: CT, DE, FL, ID, KY, MS, MT, OH, SC, TX, and WI

Allocation Accounts

Name	Type	Rates
2-Year Sunrise Smart Passage SG Enhanced Participation Rate	Nassau Sunrise Biennial	85% Participation
2-Year Sunrise Smart Passage SG Participation Rate	Nassau Sunrise Biennial	45% Participation
1-Year Sunrise Smart Passage SG Enhanced Participation Rate	Nassau Sunrise Annual	48% Participation
1-Year Sunrise Smart Passage SG Participation Rate	Nassau Sunrise Annual	26% Participation
1-Year Fixed Account (Variation States)	Fixed	1.2% Fixed
1-Year Fixed Account (FL Only)	Fixed	1.2% Fixed
1-Year Fixed Account	Fixed	1.2% Fixed
1-Year CSTMAI PTP Spread	Point to Point Annual	6% Spread
1-Year S&P 500 PTP Cap	Point to Point Annual	2% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	16% Participation
2-Year CSTMAI PTP Spread	Point to Point Biennial	7% Spread
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	25% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	0.95% Cap
2-Year Nasdaq-100 PTP Enhanced Participation Rate	Point to Point Biennial	31% Participation
2-Year Nasdaq-100 PTP Participation Rate	Point to Point Biennial	17% Participation
1-Year Nasdaq-100 PTP Enhanced Participation Rate	Point to Point Annual	21% Participation
1-Year Nasdaq-100 PTP Participation Rate	Point to Point Annual	12% Participation
2-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Biennial	38% Participation
1-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Annual	26% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	10%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
Income Strategy: Today	No	0.95% annually (1.50% max)
Income Strategy: Tomorrow	No	0.95% annually (1.50% max)