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%

IncomeShield 7 (CA Only)

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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Learn how an annuity can provide guaranteed income for life.

IncomeShield 7 is a fixed index annuity designed to help protect hard-earned dollars from index fluctuations while offering interest growth opportunities based on increases in an index. 
Available in states: CA

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
1.7% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
2.75% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap
Point to Point
Annual
4.5% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
10% Participation
1-Year BofA Destinations PTP Participation rate
Point to Point
Annual
75% Participation
1-Year SG Global Sentiment PTP Participation rate
Point to Point
Annual
75% Participation
1-Year UBS Tech Edge PTP Participation rate
Point to Point
Annual
80% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
80% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
IncomeShield LIBR - CA Option 1 - 4.00% Rollup Yes
IncomeShield LIBR CA - Option 3 - 6.5% Rollup Yes 1.10% annually
IncomeShield LIBR CA Option 2 - 8.25% Rollup Yes 1.10% annually