Gold 5

If you're seeking a product that suits your long-term financial goals such as retirement, the Gold 5 Annuity from ISDA Financial Life is worth a look. It offers a guaranteed 2.80% minimum interest rate, ensuring your money grows steadily over time.

The Gold 5 allows flexible withdrawals with minimal fees. And best of all, your earnings aren't taxed until you choose to withdraw, giving a tax-deferred boost to your nest egg. A reassuring and secure choice for future planning.

Gold 5

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About Product

Premium Type

Flexible Premium

Fee withdrawal:

15% (From Year 2)

Market Value Adjustment

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$750,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, and 1035 Exchange

Traditional Fixed Annuity Interest Rates

Surrender Years	First Year Yield	Term Guaranteed Yield	Term Current Yield
5	5.25%	3.45%	5.25%

Gold 5 is a Flexible Premium Deferred Annuity. A fixed annuity is a contract whereby for the premium or multiple premiums received, ISDA agrees to pay the Owner income from this annuity at a later date. Annuities are meant to provide funds for retirement and are considered to be long term.
Note: If an Owner other than the annuitant purchases the annuity, that Owner shall have control of the annuity contract issued until ownership is transferred to the annuitant.

Minimum Deposit
$5,000 – Maximum $750,000 (Q/NQ)
Additional deposits are accepted through the life of the policy with decreasing surrender charges.

Issue Age
0-95

Free Withdrawals

Interest Withdrawals available after 30 Days
10% of cash value at 1st anniversary (contractual)
plus 5% of cash value at 1st anniversary (fraternal benefit)
RMD for qualified plans
Death of annuitant
Annuitization – 5 year minimum
Additional deposits do not reset penalty.

Death Benefit
The death benefit payable at the death of the Annuitant shall be the contract cash value as of the date of death. The contract cash value is (1) the sum of premiums paid plus (2) interest credits plus (3) any dividends added less (4) any withdrawals.

Riders

No Riders for Gold 5 annuity.

Waivers

Death

Nursing Home

Annuity withdrawal charges will be waived for: Annuity withdrawals for nursing home expenses for the annuitant if we have been provided with proof that the annuitant is confined to a licensed skilled nursing facility, and that the annuitant has been confined for a continuous period of 90 days or more. Proof shall consist of itemized statements or receipts for medical expenses incurred during the annuitant’s confinement in a licensed medical care facility.