Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

FlexShield 10

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.

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FlexShield 10 is a Single Premium Deferred Index Annuity. The FlexShield 10 is the next generation of accumulation-focused fixed index annuities, designed to protect Premium from index volatility, while maximizing the potential for growth. 
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year SG Global Sentiment PTP Participation Rate with -5% Floor
Point to Point
Annual
185% Participation
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
13% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap with -2.5% Floor
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
1-Year S&P 500 PTP Cap with -15% Floor
Point to Point
Annual
17% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -10% Floor
Point to Point
Annual
35% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -5% Floor
Point to Point
Annual
25% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -2.5% Floor
Point to Point
Annual
19% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap
Point to Point
Annual
16% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap with -15% Floor
Point to Point
Annual
40% Cap
1-Year SG Global Sentiment PTP Participation Rate with -10% Floor
Point to Point
Annual
205% Participation
1-Year BofA Destinations PTP Participation Rate with -15% Floor
Point to Point
Annual
235% Participation
1-Year SG Global Sentiment PTP Participation Rate with -2.5% Floor
Point to Point
Annual
155% Participation
1-Year SG Global Sentiment PTP Participation Rate
Point to Point
Annual
130% Participation
1-Year SG Global Sentiment PTP Participation Rate with -15% Floor
Point to Point
Annual
235% Participation
1-Year UBS Tech Edge PTP Participation Rate with -10% Floor
Point to Point
Annual
210% Participation
1-Year UBS Tech Edge PTP Participation Rate with -5% Floor
Point to Point
Annual
190% Participation
1-Year UBS Tech Edge PTP Participation Rate with -2.5% Floor
Point to Point
Annual
160% Participation
1-Year UBS Tech Edge PTP Participation Rate
Point to Point
Annual
135% Participation
1-Year UBS Tech Edge PTP Participation Rate with -15% Floor
Point to Point
Annual
240% Participation
1-Year BofA Destinations PTP Participation Rate with -10% Floor
Point to Point
Annual
205% Participation
1-Year BofA Destinations PTP Participation Rate with -5% Floor
Point to Point
Annual
185% Participation
1-Year BofA Destinations PTP Participation Rate with -2.5% Floor
Point to Point
Annual
155% Participation
1-Year BofA Destinations PTP Participation Rate
Point to Point
Annual
130% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%