IncomeShield 9 with LIBR (CA Only)
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Highlights
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
|
Type
|
Fixed Index
|
|---|---|
|
Premium Bonus
|
10% |
|
Term
|
9 Years |
|
Surrender schedule
|
7.35%7.35%7.25%6.2%5.1%3.95%2.75%1.55%0.8% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$5,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Find out if the IncomeShield 9 with LIBR (CA Only) is the right product for you.
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 |
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