KSKJ Life
4.7
based on complex data
Annuity Educator Rating
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4-Year MYGA

4-Year MYGA-brochure 4-Year MYGA-brochure

4-Year MYGA

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About Product

Premium Type
Single Premium
Fee withdrawal:
None
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
95
Types Of Funds
Non-Qualified, IRA, and IRA-Roth
Launch Date
09/03/2024

MYGA Interest Rates

Term
Rate
4 years 4.8%
KSKJ Life's Compass MYGA is a Single Premium Deferred Annuity contract with multi-year interest rate guarantee periods ranging from 2 to 10 years. Market Value Adjustments (MVA) apply to the full amount of surrender that is in excess of any free withdrawal during the multi-year guarantee period.
The minimum deposit is $10,000.
Other than the Surrender Charge, KSKJ Life will not deduct fees, charges, or loading amounts from contributions or the Accumulated Fund Value either before or at the Maturity Date.

Penalty-free withdrawals are available through riders. These riders will result in a reduction of the crediting rate. 

Year by Year Account Balance

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Riders

Name Inbuilt Fee
Penalty Free Withdrawal Rider No 0.15% rate reduction
Required Minimum Distribution Rider No 0.10% rate reduction

Waivers

Death

Surrender Charge or MVA waived on death.

Nursing Home

Enhanced Benefit allows the owner to withdraw 50% of the value if the owner is confined to a Nursing home for 90 continuous days or more. There is no charge for this benefit.

Terminal Illness

Enhanced Benefit allows the owner to withdraw 50% of the value if the owner is diagnosed with a terminal illness. There is no charge for this benefit.

Annuitization

Surrender charges are not waived on annuitization/election of income option if within the surrender period.

Surrender Window

After the initial guarantee period, if an owner does not choose one of the options provided, the contract will automatically renew for another multi-year period of the same duration. Surrender charges and Market Value Adjustments will be waived within the first 30-days of the new multi-year guarantee period, but will apply after that 30-day period.

Company Founded: 1894
Good Rated Company
KSKJ Life
Company Ratings
4.1
  • A.M. Best -

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