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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

EstateShield 9 (CA Only)

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Highlights

EstateShield 9 is a Modified Single Premium Deferred Index Annuity. 
Available in states: CA
Type
Fixed Index
Purpose Lifetime Income
Term
9 Years
Surrender schedule
8%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
10/25/2022
Minimum contribution
$5,000
Maximum contribution
$1,500,000
Max Age Qualified
75
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, and Inherited IRA
Brochure
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Find out if the EstateShield 9 (CA Only) is the right product for you.

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Premium Notes

Minimum Premium:
$5,000
Maximum Premium:
40-69: $1,500,000
70-75: $1,000,000
Contract owners must choose how to allocate the initial premium. Additional premium payments can be made during the first contract year subject to our approval. Additional premiums are automatically allocated to the Fixed Interest Strategy and may be subject to different rates. The contract values may be reallocated between strategies on the contract anniversary, subject to a minimum allocation value of $1,000 each. 

Withdrawal Provisions

Withdrawals
  • Withdrawals can be made from the annuity contract any time before the maturity date of the contract. Free withdrawals of up to 10% of the total premiums paid are allowed each contract year, beginning in year two.  
  • Withdrawal charges will apply to withdrawals taken in excess of the free withdrawal amount. Any withdrawal from the contract will result in a reduction of the contract values. 
  • Systematic Withdrawal of interest only from the Fixed Value, available after 30 days.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.5% Fixed
2-Year BofA Destinations PTP Participation Rate
Point to Point
Biennial
165% Participation
2-Year UBS Tech Edge PTP Participation Rate
Point to Point
Biennial
175% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
110% Participation
2-Year SG Global Sentiment PTP Participation Rate
Point to Point
Biennial
160% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
115% Participation
2-Year S&P 500 Dividend Aristocrats ER PTP Participation Rate
Point to Point
Biennial
160% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
110% Participation
2-Year S&P 500 PTP Cap
Point to Point
Biennial
8.75% Cap
1-Year S&P 500 Dividend Aristocrats ER PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.9% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
4.25% Cap
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
115% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Biennial
175% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
No-Fee Lifetime Income Benefit Rider: Indexing Income (CA) Yes

Waivers

Death

No Surrender Charges at death

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