ISDA Financial Life
5
based on complex data
Annuity Educator Rating
Annuity review

Titanium 3

Looking for a solid and reliable financial plan for retirement? Look no further than the Titanium 3 Annuity product from ISDA Financial. I've found that the ISDA Association offers a decent minimum guaranteed interest rate of 2.80%, giving you the certainty of returns no matter how the market performs.

What stands out for me is their flexible model of premium payments, and no withdrawal charges for up to 15% of the cash value every year. Perfect if you ever need access to your funds. With no hidden fees or added charges, the Titanium 3 Annuity is a clear and trustworthy choice for your golden years.

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Titanium 3

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About Product

Premium Type
Flexible Premium
Fee withdrawal:
15% (From Year 2)
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$600,000
Max Age Qualified
95
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
3 4.75% 3.58% 4.75%
Titanium 3 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 $600,000  (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)
  • plus 5% of cash value at 1st anniversary (fraternal benefit)
  • RMD for qualified plans
  • Death of annuitant
  • Annuitization – 3 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. 

Year by Year Account Balance

Understand how your money will increase when invested in Titanium 3.
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Riders

No Riders for Titanium 3 annuity.

Waivers

Death

Free Withdrawals Without ISDA Surrender Charges: Death of annuitant

Annuitization

Free Withdrawals Without ISDA Surrender Charges: Annuitization – 3 year minimum

Company Founded: 1960
Good Rated Company
ISDA Financial Life
Company Ratings
4.1
  • A.M. Best -
Assets: $334,000,000
Pennsylvania

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