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ViStar is a single premium, deferred, indexed annuity that offers multiple index options and methodologies to provide the opportunity for a well-diversified allocation, and can provide a living benefit of income that can last as long as you live.
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, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Fixed Index
Purpose Lifetime Income
10 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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Premium Notes

Premium Notes
The easiest piece. The contract is purchased with a single sum of money. However, additional funds may be deposited within the first 12 months to the 1-Year fixed interest rate strategy and it is not set up on an automatic basis. At the end of the first contract year, the additional funds may be reallocated to the index strategy accounts.
Additional Premium Minimum: $500
Maximum Premium: $1,000,000

Note: We take inherited/beneficiary IRA as a plan type only if person died before 2020;  as a rollover.

Withdrawal Provisions

10% Penalty-Free Withdrawal
A penalty-free withdrawal of up to 10% of the Account Value calculated as of the last Contract Anniversary. Surrender charges and market value adjustment will be waived on the penalty-free amount withdrawn. Amounts withdrawn in excess of the penalty-free amount will incur a surrender charge and market value adjustment, if applicable. Surrender charges on Internal Revenue Service (IRS) required minimum distributions (RMD) exceeding the penalty-free withdrawal amount will be waived. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.25% Fixed
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
9.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
45% Participation
1-Year S&P 500 Sector Rotator DRC2 5% ER PTP Participation Rate
Point to Point
170% Participation
1-Year S&P Economic Cycle Factor Rotator PTP Participation Rate
Point to Point
170% Participation

Surrender schedule

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


Name Inbuilt Fee
Lifetime Withdrawal Rider No 0.90% annually
Lifetime Withdrawal Rider (MA, MT) No 0.90% annually


Nursing Home

Unavailable in states: MA

Should the owner become confined to a nursing home, ViStar provides access to the full account value, without surrender charges or applicable market value adjustments. The benefit becomes available after the first contract anniversary. The contract must be issued prior to the owner’s age of 76 and the confinement in a nursing home must be for at least 90 continuous days. The nursing home waiver does not include home health care.

Terminal Illness

If the owner becomes terminally ill or is deemed terminally ill by a physician, ViStar allows withdrawals up to the full account value without surrender charges or applicable market value adjustments. Eligibility is subject to rider provisions, which are: 1. Physician must certify that the owner’s life expectancy is nine months or less; or 2. The owner is diagnosed with a heart attack, stroke or life threatening cancer after the policy was purchased, in force for one year and owner is not over age 70.

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