Eagle Select Income Focus: Rates & Review

Highlights

Eagle Select Income Focus is a Flexible Premium Deferred Index Annuity. This annuity is tax-deferred, which means taxes are not paid on the interest it earns until any distribution occurs. Annuity contracts are long-term in nature and are not meant to be used for money one would anticipate needing in the short-term.

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	Lifetime Income
Term	7 Years
Surrender schedule	8%8%7%6%5%4%3%
Free withdrawal	1st year: 0% 2nd+ year: 10%
Flexible premium	Product Life
Market value adjustment
Return of premium
Launch date	11/14/2019
Minimum contribution	$5,000
Maximum contribution	$1,500,000
Max Age Qualified	85
Types of funds	Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and NQ Stretch
Brochure	Open brochure

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Premium Notes

Min Premium

$5,000

Max Premium

50-69: $1,500,000
70-74: $1,000,000
75-80: $750,000
81-85: $500,000

Additional money can be sent in whenever (qualified or non-qualified it doesn’t matter). Minimum amount is $100 whether it’s a one time check or an automatic payment. The max contribution would be the max amount for the contract overall.

Withdrawal Provisions

Withdrawals
Withdrawals can be made from the annuity contract any time before the maturity date of the contract. Free withdrawals of up to 10% of the contract value are allowed each contract year beginning in year two. Free withdrawals are not subject to withdrawal charges. Withdrawal charges will apply to withdrawals taken in excess of the free withdrawal amount. Any withdrawal from the contract will result in a reduction of the contract values.

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.45% Fixed
2-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Biennial	215% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Annual	155% Participation
2-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Biennial	170% Participation
1-Year BlackRock Adaptive U.S. Equity 5% PTP Participation Rate	Point to Point Annual	115% Participation
1-Year Franklin Global Trends PTP Participation Rate	Point to Point Annual	100% Participation
2-Year Franklin Global Trends PTP Participation Rate	Point to Point Biennial	145% Participation
1-Year Franklin Global Trends PTP Participation Rate	Point to Point Annual	140% Participation
2-Year Franklin Global Trends PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Annual	105% Participation
2-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year Invesco Dynamic Growth PTP Participation Rate	Point to Point Annual	150% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
2-Year S&P 500 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	150% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Biennial	210% Participation
2-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year S&P 500 Dividend Aristocrats DRC 5% (ER) PTP Participation Rate	Point to Point Annual	105% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	35% Participation
2-Year S&P 500 PTP Cap	Point to Point Biennial	9.25% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	25% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	4.5% Cap

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Eagle Select Income Focus LIBR Option 1	Yes	1.00% annually
Eagle Select Income Focus LIBR Option 2	Yes	1.00% annually

Waivers

Death

No Surrender Charges at Death

Nursing Home

Unavailable in states: CA, and DE

After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is confined in a qualified care facility for a minimum of 90 days. Confinement must begin after the contract issue date and written proof is required from both the qualified care facility and recommending physician. This no-fee rider is automatically included for ages 75 and under and offers both a Qualified Nursing Care Benefit and Terminal Illness Benefit.

Terminal Illness

Unavailable in states: CA

After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the owner is diagnosed with a terminal illness. Diagnosis must occur after the contract is issued and written proof with supporting documentation is required from a qualified physician. This no-fee rider is automatically included for ages 75 and under and offers both a Qualified Nursing Care Benefit and Terminal Illness Benefit.

Confinement

Unavailable in states: AL, AK, AZ, AR, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VI, VA, WA, WV, WI, and WY

Included automatically at issue for all ages. After the first contract year, one additional free withdrawal of up to 100% of the contract value is allowed if the annuitant is confined in a qualified care facility for a minimum of 90 consecutive days (30 consecutive days for hospice). Confinement must begin after the first contract year and written proof is required from both the qualified care facility and recommending physician.

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