Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

IncomeShield 9 with LIBR (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.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

IncomeShield 9 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% Fixed
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
15% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Annual
45% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate
Point to Point
Biennial
65% Participation
1-Year SG Global Sentiment PTP Participation rate
Point to Point
Annual
45% Participation
2-Year SG Global Sentiment PTP Participation rate
Point to Point
Biennial
65% Participation
1-Year UBS Tech Edge PTP Participation rate
Point to Point
Annual
45% Participation
2-Year UBS Tech Edge PTP Participation rate
Point to Point
Biennial
65% Participation
2-Year BofA Destinations PTP Participation rate
Point to Point
Biennial
65% Participation
1-Year BofA Destinations PTP Participation rate
Point to Point
Annual
45% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
1.75% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
3.75% Cap
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Cap
Point to Point
Annual
2.25% Cap
2-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Biennial
50% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% ER PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
10% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1% Cap

Surrender schedule

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

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