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Single Premium Deferred Annuity

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Learn how an annuity can provide guaranteed income for life.

This is a Single Premium Deferred Annuity contract, which is a long-term contract. Additional premiums may not be added in the future. You choose the guaranteed rate period that is best for you. This period begins on the date of issue and ends on the last day of the chosen period.

Death Benefits
Death Benefits are equal to the account value upon death of the owner.
If the owner's spouse is the sole beneficiary, the spouse may continue the policy in his or her own name.

No Sales Charges or Fees
There are no annual maintenance fees and no front-end sales loads.

Market Value Adjustment
When you make a withdrawal, we also may increase or decrease the amount you receive based on a market value adjustment (MVA). If interest rates went up after you bought your annuity, the MVA likely will decrease the amount you receive. If interest rates went down, the MVA will likely increase the amount you receive.

Exceptions to Surrender Charges & MVA 
  • You may withdraw 100% of your accumulated interest and RMD free of all charges at any time. 
  • You may withdraw 10% of the account value each year (including any accumulated interest amount) free of surrender charges. MVA calculation will apply. This exception may not apply if you selected the Free Withdrawal Waiver rider. 

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.6%
5 years 5.25%
7 years 5.35%
10 years 5.35%

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
5 5.75% 2.75% 5.75%


Name Inbuilt Fee
SPDA Free Withdrawal Waiver Rider No
SPDA Withdrawal Charges Waiver Rider No

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