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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

PrimeStart Bonus 10

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Highlights

PrimeStart Bonus 10 fixed index annuity is a flexible premium insurance product featuring a premium bonus. It combines growth potential—earn interest based on the performance of a specific market index, or a combination of indexes—with protection from market downturns. 
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Premium Bonus
10%
Term
10 Years
Surrender schedule
9%8%7.25%6.5%5.5%4.75%3.75%3%2%1%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
03/18/2024
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, and 1035 Exchange
Brochure
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Premium Notes

A minimum premium payment of $25,000 is required for both qualified and non‐qualified contracts. Premium exceeding $1,000,000 will require prior Company approval. Any owner(s) and/or annuitant(s) must be between the ages of 18 and 80 as of the date you sign the application.
Subsequent payments not permitted after any owner/annuitant has attained age 85. 

Withdrawal Provisions

Free withdrawal amount
10% of the total premium payments during the first contract year; Greater of 10% of the last contract anniversary value or required minimum distribution (RMD) amount, if any, in the contract years thereafter.

Market value adjustment
Applies to withdrawals and surrenders greater than the free withdrawal amount. Waived at death.

Allocation Accounts

Name Type Rates
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
70% Participation
1-Year First Trust Capital Strength Barclays 10% PTP Enhanced Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
90% Participation
1-Year Franklin SG Select PTP Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
135% Participation
1-Year Franklin SG Select PTP Enhanced Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
175% Participation
1-Year Fixed Account
Fixed
3.25% Fixed
1-Year S&P 500 PTP Enhanced Cap
Point to Point
Annual
8.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
45% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.75% Cap
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock
Point to Point
Annual
80% Participation
1-Year Goldman Sachs Canopy PTP Enhanced Participation Rate with Flex-Lock
Point to Point
Annual
105% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
5.25% Performance triggered
1-Year S&P 500 Enhanced Performance Triggered
Performance Triggered
Annual
6.75% Performance triggered
1-Year First Trust Capital Strength Barclays 10% PTP Enhanced Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
100% Participation
1-Year First Trust Capital Strength Barclays 10% PTP Participation Rate with Volatility Limit with Flex-Lock
Point to Point with Volatility Limit
Annual
80% Participation
1-Year Franklin SG Select PTP Enhanced Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
185% Participation
1-Year Franklin SG Select PTP Participation Rate with Boost and Knockout with Flex-Lock
Point to Point with Boost and Knockout
Annual
145% Participation
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year Goldman Sachs Canopy PTP Enhanced Participation Rate with Flex-Lock
Point to Point
Annual
115% Participation
1-Year Goldman Sachs Canopy PTP Participation Rate with Flex-Lock
Point to Point
Annual
85% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year S&P 500 PTP Enhanced Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 Enhanced Performance Triggered
Performance Triggered
Annual
7.5% Performance triggered
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6% Performance triggered

Surrender schedule

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

Riders

No Riders for PrimeStart Bonus 10 annuity.

Waivers

Death

Withdrawal Charges and MVA do not apply to death benefit payments.

Nursing Home

You may take a one-time withdrawal from your annuity, after the first contract anniversary, without a surrender charge if you are confined to a hospital or nursing facility for at least 90 days, as long as the contract is purchased before your 76th birthday.

Terminal Illness

After a period of one year, you may take a one-time withdrawal from your annuity without a surrender charge to pay for hospice care.

Annuitization

Withdrawal Charges and MVA do not apply to the entire Account Value that is applied to an annuitization Settlement Option.

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