Enhanced Choice Index 10
In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.
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The Enhanced Choice Index is a single-premium deferred index annuity offering multiple crediting strategies linked to index performance, and a fixed interest account option. Clients choose the combination of indices and crediting options that best align with their financial goals. Enhanced product features give flexibility, adaptability, and access to funds.
There is a choice of a 5, 7, or 10-year surrender-charge period, with no surrender charges thereafter.
Available in states:
AL, AK, AZ, AR, 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
|
3%
Fixed
|
1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
34%
Participation
|
1-Year S&P 500 PTP Enhanced Participation Rate |
Point to Point
Annual
|
52%
Participation
|
1-Year S&P MARC 5% ER PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate |
Point to Point
Annual
|
190%
Participation
|
1-Year S&P 500 DRC 5% ER PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
1-Year S&P 500 DRC 5% ER PTP Enhanced Participation Rate |
Point to Point
Annual
|
190%
Participation
|
1-Year S&P 500 ESG DRC 5% ER PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
1-Year S&P 500 ESG DRC 5% ER PTP Enhanced Participation Rate |
Point to Point
Annual
|
190%
Participation
|
Surrender schedule
Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
---|---|---|---|---|---|---|---|---|---|---|
Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |