FIA Plus 10 with Premium Bonus
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Highlights
The FIA Plus is a single-premium, deferred annuity from Ibexis Life & Annuity Insurance Company. Initial premium may be allocated to the Index-Linked Strategy or the Fixed Interest Strategy, in any combination. The Floor for any initial premium allocation in the Index-Linked Strategy is always 0%. A Floor Limit will be elected at the time of application and may be adjusted on any contract anniversary. Selecting a Floor Limit less than 0% will automatically allocate the Tracking Value to the next available Floor, less than 0%, with sufficient Tracking Value Gains, and will generally provide higher upside potential.
Floor Limits available include: 0%, -2.5%, -5%, -10%, -15%
Floor Limits available include: 0%, -2.5%, -5%, -10%, -15%
Available in states:
AK, AZ, AR, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WV, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Premium Bonus
|
16% |
|
Term
|
10 Years |
|
Surrender schedule
|
9%9%8%7.25%6.25%5%4%3%2%1% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, and TSA 403b |
Brochure
|
Open brochure |
Find out if the FIA Plus 10 with Premium Bonus is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.1%
Fixed
|
| 1-Year Declared Rate with -2.5% Floor |
Fixed
|
3.3%
Fixed
|
| 1-Year Declared Rate with -5% Floor |
Fixed
|
3.3%
Fixed
|
| 1-Year Declared Rate with -10% Floor |
Fixed
|
3.3%
Fixed
|
| 1-Year Declared Rate with -15% Floor |
Fixed
|
3.3%
Fixed
|
| 1-Year Declared Rate with 0% Floor |
Fixed
|
3.3%
Fixed
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with 0% Floor |
Point to Point
Annual
|
70%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -10% Floor |
Point to Point
Annual
|
158%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -15% Floor |
Point to Point
Annual
|
169%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -10% Floor |
Point to Point
Annual
|
154%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -5% Floor |
Point to Point
Annual
|
119%
Participation
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
Point to Point
Annual
|
6.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -2.5% Floor |
Point to Point
Annual
|
8%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor |
Point to Point
Annual
|
10%
Cap
|
| 1-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
Annual
|
13.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -15% Floor |
Point to Point
Annual
|
18.5%
Cap
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with 0% Floor |
Point to Point
Annual
|
83%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -2.5% Floor |
Point to Point
Annual
|
113%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -5% Floor |
Point to Point
Annual
|
134%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -15% Floor |
Point to Point
Annual
|
166%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -2.5% Floor |
Point to Point
Annual
|
94%
Participation
|
| 1-Year Declared Rate with -10% Floor |
Fixed
|
3.5%
Fixed
|
| 1-Year Declared Rate with -5% Floor |
Fixed
|
3.5%
Fixed
|
| 1-Year Declared Rate with -2.5% Floor |
Fixed
|
3.5%
Fixed
|
| 1-Year Declared Rate with -15% Floor |
Fixed
|
3.5%
Fixed
|
| 1-Year Declared Rate with 0% Floor |
Fixed
|
3.5%
Fixed
|
| 1-Year Fixed Account |
Fixed
|
3.3%
Fixed
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -2.5% Floor |
Point to Point
Annual
|
9%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
Annual
|
14.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -15% Floor |
Point to Point
Annual
|
19.5%
Cap
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with 0% Floor |
Point to Point
Annual
|
90%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -2.5% Floor |
Point to Point
Annual
|
119%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -5% Floor |
Point to Point
Annual
|
141%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -15% Floor |
Point to Point
Annual
|
175%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -10% Floor |
Point to Point
Annual
|
160%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -5% Floor |
Point to Point
Annual
|
125%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with -2.5% Floor |
Point to Point
Annual
|
99%
Participation
|
| 1-Year BofA U.S. Strength Fast Convergence PTP Participation Rate with 0% Floor |
Point to Point
Annual
|
75%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -15% Floor |
Point to Point
Annual
|
173%
Participation
|
| 1-Year HSBC AI Global Tactical PTP Participation Rate with -10% Floor |
Point to Point
Annual
|
165%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
No Riders for FIA Plus 10 with Premium Bonus annuity.
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