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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Zenith Growth 10

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Highlights

Zenith Growth 10 is a single premium, fixed indexed annuity that can give you a strong chance to grow your retirement savings — while protecting your principal from market loss. Best if used for accumulating value and maximizing your growth potential.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
9 Years
Surrender schedule
8.25%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
07/06/2023
Minimum contribution
$25,000
Maximum contribution
$2,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, and 457 plan
Brochure
Open brochure

Find out if the Zenith Growth 10 is the right product for you.

Premium Notes

Issue Ages
0-85

Minimum Premium
$25,000 within 90 days of policy issue.

Maximum Premiums
  • Ages 0–70: $2,000,000 
  • Ages 71–75: $1,500,000 
  • Ages 76–80: $1,000,000 
  • Ages 81–85: $500,000 

Withdrawal Provisions

Market Value Adjustment
A Market Value Adjustment will apply to withdrawals in excess of the penalty-free withdrawal amount for the first 10 policy years.

Free Withdrawals
10% of accumulation value available after the first policy year as permitted by law. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
12% Cap
1-Year S&P 500 PTP Cap with Booster
Point to Point
Annual
16% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
30% Cap
2-Year S&P 500 PTP Cap with Booster
Point to Point
Biennial
50% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap with Booster
Point to Point
Annual
Monthly sum
3.35% Cap
1-Year Global Balanced PTP Participation Rate
Point to Point
Annual
205% Participation
1-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Annual
255% Participation
2-Year Global Balanced PTP Participation Rate
Point to Point
Biennial
285% Participation
2-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Biennial
355% Participation
1-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Annual
205% Participation
1-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Annual
255% Participation
2-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Biennial
285% Participation
2-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Biennial
355% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 8% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

No Riders for Zenith Growth 10 annuity.

Waivers

Nursing Home

Unavailable in states: CA, IL, LA, MA, MO, MT, NH, NJ, OR, PA, SC, UT, WV, and WI

The Nursing Care Rider gives clients peace of mind that they will have access to a portion of savings without surrender charges in the case of a qualifying event.

Terminal Illness

Unavailable in states: CA, IL, LA, MA, MO, MT, NH, NJ, OR, PA, SC, UT, WV, and WI

Terminal Illness Benefit eliminates withdrawal charges for the annuitant on one withdrawal if the policy has been in force longer than one year at the onset of the terminal illness, from which the client is physician-certified to have 12 months or fewer to live.

Emergency Access

Emergency Access Waiver allows clients to have all withdrawal charges waived for 403(b) hardship or 457(b) unforeseen emergency distributions, if approved by the Plan/TPA. For separation from service or disability, 20% of withdrawal charges (for withdrawals above 10% of the accumulation value) are waived in years 2-4; starting in year 5, all withdrawal charges are waived. Available for 403(b) and 457(b) plans only.

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