Enhanced Choice Index 5
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.
Get an annuity today!
Learn how an annuity can provide guaranteed income for life.
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.
ECI-5 and ECI-7 provide multi-year guaranteed participation rates on some index crediting options: S&P MARC 5% ER, S&P 500 Daily RC 5% ER, and S&P 500 ESG Daily RC 5% ER.
ECI-5 and ECI-7 provide multi-year guaranteed participation rates on some index crediting options: S&P MARC 5% ER, S&P 500 Daily RC 5% ER, and S&P 500 ESG Daily RC 5% ER.
Available in states:
CA
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
43%
Participation
|
| 1-Year S&P 500 PTP Enhanced Participation Rate |
Point to Point
Annual
|
58%
Participation
|
| 1-Year S&P MARC 5% ER PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
170%
Participation
|
| 1-Year S&P MARC 5% ER PTP Enhanced Participation Rate Guaranteed for Term |
Point to Point
Annual
|
225%
Participation
|
| 1-Year S&P 500 DRC 5% ER PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
170%
Participation
|
| 1-Year S&P 500 DRC 5% ER PTP Enhanced Participation Rate Guaranteed for Term |
Point to Point
Annual
|
225%
Participation
|
| 1-Year S&P 500 ESG DRC 5% ER PTP Participation Rate Guaranteed for Term |
Point to Point
Annual
|
170%
Participation
|
| 1-Year S&P 500 ESG DRC 5% ER PTP Enhanced Participation Rate Guaranteed for Term |
Point to Point
Annual
|
225%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 8% | 7% | 6% | 5% | 4% |