MEGA Flex 4

ISDA Financial Life, founded in 1960, plays a key role in the financial services sector by providing annuity and life insurance policies to its members. Serving as a tax-exempt, non-profit company owned by its members and regulated by the state it serves, ISDA offers an assortment of low-risk and high-return annuity, IRA, and life insurance solutions. With an objective to generate income for its members, the company seeks to maximize growth for every account it manages.

MEGA Flex 4

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About Product

Premium Type

Flexible Premium

Fee withdrawal:

10% (From Year 2)

Market Value Adjustment

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 1035 Exchange, NQ Stretch, Roth Conversion (Partial), and Roth Conversion (Full)

Launch Date

02/18/2026

Traditional Fixed Annuity Interest Rates

Surrender Years	First Year Yield	Term Guaranteed Yield	Term Current Yield
4	5.25%	3.3%	5.25%

MEGA Flex 4 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 $1,000,000 (Q/NQ)
Additional deposits are accepted through the life of the policy with decreasing surrender charges.

Issue Age
0-95

Free Withdrawals

Interest W/D After 30 Days
10% of cash value at 1st anniversary (contractual)
RMD for qualified plans
Death of annuitant
Annuitization 8-year minimum
Additional deposits do not reset penalty period

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 MEGA Flex 4 annuity.

Waivers

Death

Free Withdrawals Without ISDA Surrender Charges: Death of annuitant

Nursing Home

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.