Strategic Growth Annuity Rate & Reviews

Strategic Growth Annuity

The Security Benefit Strategic Growth Annuity, issued by Security Benefit Life Insurance Company (SBL), is a modified single premium, deferred fixed index annuity contract which provides a combination of guarantees, flexible interest choices, and withdrawal options.
This annuity may be well suited for a consumer/individual who has a sum of money the consumer/ individual does not want to place in the market, yet would like the potential for accumulation without risk.

Rate Buy Up Feature
The Rate Buy Up Feature is available on each index crediting option. For a monthly charge, each Index Account using this feature in which the contract value is allocated, may provide the owner a higher interest credit rate through a higher cap, higher participation rate, and/ or lower spread as applicable. At the end of the surrender charge period, if the total Buy Up Costs are greater than the total index interest credits (including non Buy Up Options), then the excess of the total Buy Up Costs over the total index interest credits will be refunded to the contract’s Fixed Account. Please note: the refund of Buy Up Charges does not apply if an excess withdrawal is taken from the contract (an excess withdrawal is a withdrawal that exceeds the annual free withdrawal limit). Refer to the Rate Buy Up Feature Brochure for details.

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	Fixed	4.5% Fixed
1-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread	Point to Point Annual	125% Participation
2-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread	Point to Point Biennial	175% Participation
1-Year S&P MARC 5% PTP Participation Rate with Spread	Point to Point Annual	175% Participation
2-Year S&P MARC 5% PTP Participation Rate with Spread	Point to Point Biennial	200% Participation
2-Year UBS Market Pioneers PTP Participation Rate with Spread	Point to Point Biennial	210% Participation
2-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread	Point to Point Biennial	175% Participation
1-Year S&P 500 PTP Participation Rate with Spread	Point to Point Annual	50% Participation 3% Spread
2-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread	Point to Point Biennial	100% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread	Point to Point Annual	125% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	13% Cap
1-Year UBS Market Pioneers PTP Participation Rate with Spread	Point to Point Annual	175% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	15.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	53% Participation
1-Year S&P 500 PTP Participation Rate with Spread	Point to Point Annual	60% Participation 3% Spread
1-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread	Point to Point Annual	150% Participation
2-Year S&P 500 Factor Rotator DRC2 7% ER PTP Participation Rate with Spread	Point to Point Biennial	215% Participation
1-Year S&P MARC 5% PTP Participation Rate with Spread	Point to Point Annual	220% Participation
2-Year S&P MARC 5% PTP Participation Rate with Spread	Point to Point Biennial	260% Participation
1-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread	Point to Point Annual	135% Participation
1-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread	Point to Point Annual	170% Participation
2-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread	Point to Point Biennial	210% Participation
2-Year Morgan Stanley Global Equity Allocator PTP Participation Rate with Spread	Point to Point Biennial	270% Participation
1-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread	Point to Point Annual	155% Participation
2-Year Morningstar Wide Moat Focus Barclays VC 7% ER PTP Participation Rate with Spread	Point to Point Biennial	220% Participation
1-Year UBS Market Pioneers PTP Participation Rate with Spread	Point to Point Annual	215% Participation
2-Year UBS Market Pioneers PTP Participation Rate with Spread	Point to Point Biennial	265% Participation
1-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread	Point to Point Annual	200% Participation
1-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread	Point to Point Annual	245% Participation
2-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread	Point to Point Biennial	250% Participation
2-Year UBS Multi Asset Inflation Aware PTP Participation Rate with Spread	Point to Point Biennial	315% Participation
2-Year S&P 500 LV DRC 5% TR PTP Participation Rate with Spread	Point to Point Biennial	120% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	12%	12%	11%	11%	10%	9%	8%	7%	6%	4%