American Freedom Max Growth with Free Partial Withdrawal Rider

The American Century Life Insurance Company, created in 1958 as a subsidiary of American Century Investments, plays a pivotal role in the retirement income industry. With a focus on delivering innovative insurance and annuity solutions to help customers attain financial well-being in retirement, the company has shown a resilient commitment to maintaining its long-established financial strength, leveraging the assets of its globally recognized parent company.

American Freedom Max Growth with Free Partial Withdrawal Rider

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About Product

Premium Type

Single Premium

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, IRA-Roth, and Inherited IRA

Launch Date

06/15/2026

MYGA Interest Rates

Term	Rate Annual percentage yield (APY) earned over the investment term
3 years	5.45%
5 years	5.85%
7 years	5.85%
10 years	5.9%

A multi-year guaranteed annuity (MYGA) can be an integral part of a holistic retirement plan that allows you to grow your money safely for a period of time until you're ready to use it. The American Freedom Max Growth MYGA gives you choices of guarantee period and payout options, designed to give you the flexibility to make it fit your needs and your stage of life. It may be right for you if you want to protect a portion of your savings from market swings, benefit from tax-deferred growth for a pre-determined period of time, and turn your asset into a predictable stream of income payments that lasts a lifetime.

Guarantee Periods

3, 5, 7 or 10 years.

Issue Ages

0-90.
If jointly owned, eligibility is based on the older owner's age.

Premium

Single premium.
Minimum: $5,000.
Maximum: $2,000,000 without home office approval.

Interest Accumulation

Interest is compounded and credited daily.

Death Benefit

Upon death, the named beneficiaries will receive the Cash Surrender Value (unless the spouse was named as joint owner, in which case the policy and its provisions may continue).

Market Value Adjustment

A Market Value Adjustment (MVA) may apply to any withdrawals exceeding the allowed Free Withdrawal amount. The MVA may increase or decrease the amount received from the withdrawal.

Annuitization

After the first Contract Year, the policy may be annuitized based on the Account Value upon maturity or Cash Surrender Value on surrender to any of the following annuity options: a life annuity, a period certain, and any other options agreed to by the Company.