Keystone 5 Index Annuity Rate & Reviews

Keystone 5 Index Annuity

The Keystone 5 Index Annuity is a fixed indexed annuity with a 5-Year surrender charge period offering multiple index accounts and one traditional fixed account. The initial premium may be allocated among the individual strategies available with a minimum of $5,000 per strategy.

On each contract anniversary, you may reallocate your annuity value among the strategies then available so long as you notify the company at least two weeks before each contract anniversary of such reallocation. The minimum amount you may reallocate is $5,000 and $5,000 must remain in any one strategy. Reallocation will be subject to the available strategies at that time.

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, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.8% Fixed
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	9.75% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	9.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation

Surrender schedule

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