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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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Future Flex FIA

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Highlights

The Future Flex Fixed Index Annuity is a flexible premium deferred annuity that offers the flexibility to make additional contributions over time to increase your earning potential. 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%
Flexible premium Product Life
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
Brochure
 Open brochure

Find out if the Future Flex FIA is the right product for you.

Premium Notes

  • Issue ages 0–95 
  • $25,000–$5M initial premium 
  • Accepts qualified or non-qualified funds 
  • Add premium throughout your contract ($1,000 min., $5M max. per year, and $10M max. per contract) 
  • Ability to reallocate funds among the indices annually or biennially 
  • Participation rates are guaranteed annually or biennially 

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

Surrender schedule

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

Riders

No Riders for Future Flex 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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