Life Insurance Company of the Southwest
4.7
based on complex data
Annuity Educator Rating
Annuity review

Zenith Growth 7

The Zenith Growth 7 annuity plan is your guiding light towards a worry-free, restful retirement. It's cleverly designed to provide steady income for life, giving you peace of mind you truly deserve.

Being an ideal blend of high returns and security, the Zenith Growth 7 is rightly geared towards creating a secure nest for your golden years. Don't keep the future waiting, secure it today with Zenith Growth 7!

Zenith Growth 7-brochure Zenith Growth 7-brochure

Zenith Growth 7

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About Product

Type
Fixed Index
Purpose
Accumulation
Term
7 Years
Surrender schedule
8.25%
8%
7%
6%
5%
4%
3%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
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
Launch Date
07/06/2023
Zenith Growth 7 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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.6% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap with Booster
Point to Point
Annual
13.5% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
25% Cap
2-Year S&P 500 PTP Cap with Booster
Point to Point
Biennial
38% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.05% Cap
1-Year S&P 500 PTP Monthly Sum Cap with Booster
Point to Point
Annual
Monthly sum
2.8% Cap
1-Year Global Balanced PTP Participation Rate
Point to Point
Annual
190% Participation
1-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Annual
240% Participation
2-Year Global Balanced PTP Participation Rate
Point to Point
Biennial
270% Participation
2-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Biennial
330% Participation
1-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Annual
190% Participation
1-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Annual
240% Participation
2-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Biennial
270% Participation
2-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Biennial
330% Participation

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for Zenith Growth 7 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.

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

Company Founded: 1955
TOP Rated Company
Life Insurance Company of the Southwest
Company Ratings
5
  • A.M. Best A+
  • S&P A+
  • Moody's A1
  • Comdex 90
Assets: $32,742,547,599
Texas

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