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Highlander 7

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Highlander 7 is a single premium, deferred, fixed indexed annuity that allows you to accumulate funds, benefit from tax deferral, and maintain a simplified allocation.
Available in states: AL, AK, AZ, AR, CA, 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, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Fixed Index
Purpose Accumulation
7 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Qualified: $5,000
Non-Qualified: $10,000
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and TSP
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Find out if the Highlander 7 is the right product for you.

Premium Notes

Premium Notes 
The easiest piece. The contract is purchased with a single sum of money. However, additional funds may be deposited to the fixed account, within the first 12 months of the contract and it is not set up on an automatic basis. At the end of the contract year, funds may be reallocated into the indexed account.
  • Minimum Qualified - $5,000 
  • Minimum Non-Qualified - $10,000 
  • Additional - $5,000 Minimum 
  • Maximum - $1,000,000
Note: We take inherited/beneficiary IRA as a plan type only if person died before 2020;  as a rollover.

Withdrawal Provisions

Free Withdrawals
A single penalty-free withdrawal, of up to 10% of the account value, may be taken each year beginning in the second contract year. Surrender charges or market value adjustment will be waived on free withdrawal amounts. Please refer to the contract for full details.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.25% Fixed
1-Year S&P 500 PTP Participation Rate
Point to Point
50% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
175% Participation
1-Year S&P 500 PTP Cap
Point to Point
9% Cap

Surrender schedule

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


No Riders for Highlander 7 annuity.



The Highlander pays your named beneficiary the full account value on death. Options for income payments may be available instead of taking a lump sum. If the spouse is the sole Primary Beneficiary, they have the option to continue the annuity in the surviving spouse’s name.

Nursing Home

Unavailable in states: MA

This contract provides access to the full account value, without surrender charges and market value adjustment, should the owner become confined to a nursing home after the first contract anniversary. The contract must be issued prior to the owner’s age 76 and confinement in a nursing home must be for 90 continuous days. The nursing home waiver does not include home health care.

Terminal Illness

If the owner is diagnosed with a critical illness (heart attack, stroke, life-threatening cancer) or is deemed terminally ill by a physician, the full account value may be accessed without surrender charges and market value adjustment. Eligibility is subject to rider provisions which are: 1) Terminal illness physician must certify that the owner’s life expectancy is nine months or less. 2) Critical illness the contract must have been purchased prior to the owner’s age of 70.

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