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Omega Bonus 7

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

7 Years

Surrender schedule

Fee withdrawal:

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,500,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, and Roth Conversion (Full)

Launch Date

06/01/2026

The Omega Bonus annuity is a single premium fixed indexed annuity (FIA) designed to help clients grow their assets with the added benefit of a premium bonus. It is designed for clients who are:

At or nearing retirement
Looking for a growth opportunity for the assets they cannot afford to lose
Seeking stability and confidence for their retirement strategy
Wanting a premium bonus to help jump-start their accumulation
Concerned about market losses and sudden swings

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed Annual	3.4% Fixed
1-Year Nasdaq Night Owl PTP Guaranteed Participation Rate	Point to Point Annual	52% Participation
1-Year S&P MARC 5 PTP Guaranteed Participation Rate	Point to Point Annual	138% Participation
1-Year Dynamic Balanced Asset 10 PTP Guaranteed Participation Rate	Point to Point Annual	75% Participation
1-Year Strategic Dynamic Balanced Asset 8 PTP Guaranteed Participation Rate	Point to Point Annual	93% Participation
1-Year Multi-Asset Dynamic Managed 5 PTP Guaranteed Participation Rate	Point to Point Annual	148% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	4.5% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Guaranteed Cap	Point to Point Annual	5.75% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Guaranteed Participation Rate	Point to Point Annual	50% Participation
1-Year Fixed Account	Fixed Annual	3.8% Fixed
1-Year Nasdaq Night Owl PTP Guaranteed Participation Rate	Point to Point Annual	58% Participation
1-Year S&P MARC 5 PTP Guaranteed Participation Rate	Point to Point Annual	155% Participation
1-Year Dynamic Balanced Asset 10 PTP Guaranteed Participation Rate	Point to Point Annual	84% Participation
1-Year Strategic Dynamic Balanced Asset 8 PTP Guaranteed Participation Rate	Point to Point Annual	104% Participation
1-Year Multi-Asset Dynamic Managed 5 PTP Guaranteed Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	5.5% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Guaranteed Cap	Point to Point Annual	6.75% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Guaranteed Participation Rate	Point to Point Annual	56% Participation

Surrender schedule

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

Riders

No Riders for Omega Bonus 7 annuity.

Waivers

Death

Surrender charges do not apply as a result of the death of the Annuitant.

Nursing Home

Unavailable in states: CA

Provides access to Contract Value without surrender charge or Market Value Adjustment (MVA) if the owner requires hospital or nursing home confinement for at least 30 consecutive days. The nursing home waiver may be available in year 1 as long as the annuitant has been confined to a qualified Hospital or Nursing Facility for at least 30 consecutive days, the confinement began after the contract date, the annuitant was not older than 80 on the contract date, and proof of confinement is received while the annuitant is confined or within 90 days following discharge from the facility.

Annuitization

Surrender charges do not apply under certain annuitization scenarios.

RMD

Omega Bonus 7 is designed to be RMD-friendly. Beginning in the second calendar year after your contract is issued, and once you reach your required beginning age, the amount the IRS requires you to withdraw from this contract each year is available without a surrender charge — even if it exceeds your free-withdrawal amount.

Premium Notes

Single Premium
Minimum initial premium: $25,000. Maximum premium: $1,500,000 (higher amounts subject to carrier approval).

Annual Contract Fee
None.

Withdrawal Provisions

Free Withdrawal AmountBeginning in the second contract year, 5% of the beginning Index Year Contract Value may be withdrawn without incurring any surrender charges or MVA.Market Value Adjustment (MVA)An adjustment applied to your contract's value or withdrawal amount if you withdraw more than the contract allows in a single year. A Market Value Adjustment is subject to current market conditions, and could affect your contract's value or withdrawal amount positively or negatively, but cannot reduce your contract's value to less than the Guaranteed Minimum Surrender Value (GMSV).

Company Founded: 1909

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