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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%
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Prosperity Elite 10 Enhancement

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Highlights

The Prosperity Elite 10 Enhancement is a flexible premium deferred annuity with a 10-year surrender charge period offering multiple index options and one fixed interest rate option. It is designed to be a long-term retirement savings tool with a variety of options to help you achieve the standard of living you want during your retirement. 
Available in states: AL, AK, AZ, AR, CA, CO, 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
Type
 Fixed Index
Purpose Accumulation & Legacy
Premium Bonus
 6%
Term
 10 Years
Surrender schedule
 12%11%10%9%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
 04/22/2011
Minimum contribution
 $10,000
Maximum contribution
 $1,000,000
Max Age Qualified
 85
Types of funds
 Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, IRA-Roth, Inherited IRA, and TSP
Brochure
 Open brochure

Find out if the Prosperity Elite 10 Enhancement is the right product for you.

Premium Notes

Flexible Premium
Any additional premium (the amount of money you may at any time and as often as you want until the Maturity Date) must be at least $2,000 and may not exceed $1,000,000.
The minimum Allocation to any account is $2,000 per contract year.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Free Withdrawals 
You’ll have penalty-free access to 10% of the vested account value in years 2-10. Any other withdrawals will incur withdrawal charges. These consist of surrender charges and MVA. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4% Fixed
1-Year Gold PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
13.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.6% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.25% Cap
2-Year Barclays Trailblazer Sectors 5 PTP Participation Rate with Spread
Point to Point
Biennial
275% Participation
1-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Annual
200% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate with Spread
Point to Point
Biennial
290% Participation
2-Year CIBC Balanced Asset 5 PTP Participation Rate
Point to Point
Biennial
330% Participation
1-Year GS Global Factor PTP Participation Rate
Point to Point
Annual
200% Participation
2-Year GS Global Factor PTP Participation Rate with Spread
Point to Point
Biennial
300% Participation
2-Year GS Global Factor PTP Participation Rate
Point to Point
Biennial
340% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
Annual
6.25% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 12% 11% 10% 9% 8% 7% 6% 5% 4% 3%

Riders

Name Inbuilt Fee
GMDB Prosperity Elite Enhancement Package Yes 0.60% annually

Waivers

Nursing Home

Unavailable in states: MA, and SD

Confinement must begin at least 1 year after contract effective date. Must be confined to nursing home for at least 60 days. Home Health Care is an acceptable option.

Terminal Illness

Diagnosis must be made at least 1 year after contract effective date and certified by licensed physician. Life expectancy must be less than 1 year.

ADL

Unavailable in states: MA, SD, and WI

Care must begin at least 1 year after contract effective date. Must be unable to perform at least 2 of 6 activities of daily living (for at least 60 days and expected to continue for at least 90 days after requesting withdrawal).

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