Life Insurance Company of the Southwest
4.9
based on complex data
Annuity Educator Rating
Annuity review

Zenith Income 10 with Max Bonus

The Zenith Income 10 with Max Bonus is truly a game-changer for secure retirement planning. It offers the double benefit of guaranteed income and a flexible payout schedule that lets you control your finances.

Not forgetting the attractive Max Bonus feature which increases your earning potential as well! This annuity has all the right ingredients to add a big dose of unstressed living to your golden years.

Zenith Income 10 with Max Bonus-brochure Zenith Income 10 with Max Bonus-brochure

Zenith Income 10 with Max Bonus

Your Email

Compare this annuity with 800+ others from 100+ companies

$

No agent will call you

About Product

Type
Fixed Index
Purpose
Lifetime Income
Term
9 Years
Surrender schedule
8.25%
8%
7%
6%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$2,000,000
Max Age Qualified
75
Types Of Funds
Non-Qualified, IRA, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, and 457 plan
Launch Date
07/06/2023
Zenith Income 10 is a single premium, fixed indexed annuity that helps you maximize guaranteed lifetime income — while protecting your principal from market loss. Best if used for maximizing guaranteed lifetime income.
The  Max Bonus GLIR is inbuilt into this product.
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
3.4% Fixed
2-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Biennial
350% Participation
2-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Biennial
275% Participation
1-Year US Fundamental Balanced PTP Participation Rate with Booster
Point to Point
Annual
250% Participation
1-Year US Fundamental Balanced PTP Participation Rate
Point to Point
Annual
200% Participation
2-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Biennial
350% Participation
2-Year Global Balanced PTP Participation Rate
Point to Point
Biennial
275% Participation
1-Year Global Balanced PTP Participation Rate with Booster
Point to Point
Annual
250% Participation
1-Year Global Balanced PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year S&P 500 PTP Monthly Sum Cap with Booster
Point to Point
Annual
Monthly sum
2.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2% Cap
2-Year S&P 500 PTP Cap with Booster
Point to Point
Biennial
34% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
23% Cap
1-Year S&P 500 PTP Cap with Booster
Point to Point
Annual
13.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
See if this annuity ranks in your top 3 for Virginia
$
!

Riders

Name Inbuilt Fee
Max Bonus GLIR Level Yes 1.00% annually (1.00% after 1 year)
Max Bonus GLIR Increasing Yes

Waivers

Nursing Home

Unavailable in states: CA, IL, LA, MA, MT, NH, NJ, SC, SD, WA, WV, and WI

Nursing Care 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
35-75

Minimum Premium
$25,000

Maximum Premiums
  • Ages 35-70: $2,000,000 
  • Ages 71-75: $1,500,000 

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, depending on the length of the policy. Free Withdrawals After the first policy year, you may withdraw in any one year up to 10% of the accumulation value without incurring a withdrawal charge. The minimum partial withdrawal you may request is $500, and your accumulation value must be no less than $5,000 after the withdrawal.

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

You might also be interested in

James Alden Experienced Annuity Educator
25 years experience
3,712 career consultations
4 slots free for today
scheduling.
Your Name
Your Phone
Thank you for your trust! I have received your contact information. Please wait for a call within 30 minutes. 😌