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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Asset Guard FIA

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Highlights

The Asset Guard Fixed Index Annuity is a single premium deferred annuity that offers the security of guaranteed participation rates over a 4-year period. Fixed index annuities are a type of investment that offers the opportunity to earn interest based on the performance of a stock market index, while providing protection against market downturns. 
Available in states: AL, AK, AZ, AR, 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
4 Years
Surrender schedule
8%8%7%7%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
02/12/2024
Minimum contribution
$25,000
Maximum contribution
$5,000,000
Max Age Qualified
95
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP
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Premium Notes

  • Issue ages 0–95 
  • $25,000–$5M initial premium 
  • Accepts qualified or non-qualified funds 
  • Option to add up to $5M of additional premium after four years (during 45-day window)
  • Ability to reallocate funds among the indices annually or biennially 
  • Participation rates and interest rates for fixed interest rate option guaranteed for 4 years 

Withdrawal Provisions

Free withdrawal
  • In all contract years, including the first year, the free withdrawal amount is 10% of the account value. 
  • If no withdrawal is taken in a given contract year, then the free withdrawal amount in the next contract year is 20% of the account value. 
  • Withdrawals will be first taken from the fixed interest rate account and then proportionally allocated across the investment options (unless the owner specifically requests the funds to be taken from specific index strategies). 
  • For qualified money, the required minimum distributions are free withdrawals if more than what is shown above. 
  • Living Benefit Riders (included at no additional fee): Critical Illness, Cognitive Impairment, Terminal Condition, Nursing Home Confinement and Home Health Care.
Surrender Charges 
  • Surrender charges are waived at the death of the owner 
  • Repeating surrender charge pattern with 45-day liquidity windows every 4th year 
  • During the 45-day liquidity windows, the entire account value is available for free withdrawal 
  • No market value adjustment 

Allocation Accounts

Name Type Rates
4-Year Fixed Account
Fixed
4% Fixed
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
120% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
170% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
115% Participation
2-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term
Point to Point
Biennial
85% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
110% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
75% Participation
1-Year Barclays US Tech 12% PTP Participation Rate Guaranteed for Term
Point to Point
Annual
55% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
190% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
125% Participation
2-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term
Point to Point
Biennial
95% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
80% Participation
1-Year Barclays Fortune 500 12% VC PTP Participation Rate Guaranteed for Term
Point to Point
Annual
60% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
270% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Biennial
180% Participation
2-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term
Point to Point
Biennial
135% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
180% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term Annual Booster
Point to Point
Annual
120% Participation
1-Year Barclays Agility Shield PTP Participation Rate Guaranteed for Term
Point to Point
Annual
90% Participation

Surrender schedule

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

Riders

No Riders for Asset Guard FIA annuity.

Waivers

Death

Surrender charges are waived at the death of the owner.

Nursing Home

Nursing Home Confinement and Home Health Care are included at no additional fee.

Terminal Illness

Critical Illness, Cognitive Impairment, and Terminal Condition are included at no additional fee.

Surrender Window

There are no surrender charges during the first 45 days of each subsequent surrender charge period. During those 45 days, the owner may choose to: 1. Continue their contract and apply their accumulation value to a new 4-year surrender charge period. Additional premium may be deposited during this time. 2. Make a partial surrender without paying surrender charges and apply the remainder to a new surrender charge period. 3. Surrender their contract without paying surrender charges. Note: If the owner doesn’t provide written notice of their choice during the 45-day window, option 1 automatically becomes effective.

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