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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

LiveWell Dynamic 2.0 Annuity with Waiver of Surrender Charge

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Highlights

The Live Well Dynamic Annuity Contract is a flexible premium deferred registered index and variable annuity that is designed to aid in long-term financial planning for retirement or other savings needs. It is available for purchase as a Non-Qualified Contract, as well as through Individual Retirement Accounts (“IRAs”), including Traditional IRAs and Roth IRAs.

The Waiver of Surrender Charge rider is inbuilt into this product 
This rider provides a waiver of any surrender charges, including a full surrender of the contract, which gives you full access to your annuity to withdraw money when needed. 

For information about this product, please visit  http://SRSLiveWell.com

Please note: a separate version of this product is available in MO, NE, UT, and VT states.
Available in states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, WA, WV, WI, and WY
Type
Registered Index-Linked
Purpose Accumulation
Surrender schedule
No Surrender Charge
Free withdrawal
100%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
11/13/2023
Minimum contribution
$25,000
Maximum contribution
$2,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
Brochure
Open brochure

Find out if the LiveWell Dynamic 2.0 Annuity with Waiver of Surrender Charge is the right product for you.

Premium Notes

Any person wishing to purchase a Contract must submit an application form and an initial premium payment of at least $25,000. The sale must take place through a representative who is licensed, registered and authorized to sell the Contract. The maximum Issue Age for the Contract is 85 years.

Minimum investment
$25,000; maximum investment is $2,000,000

Minimum additional premiums
$1,000 or $100 for premiums made through monthly electronic funds transfer (EFT) 

Withdrawal Provisions

Death benefit
Equal to the accumulation value at the time of proof of owner’s death is received.

Return of Premium Death Benefit rider (0.20% annual charge)
Available for issue ages 0-75. Greater of the accumulation value or return of premium (premiums paid, adjusted for withdrawals). Death benefit value is determined when proof of death is received, payment type is elected, and any other applicable forms are in good order.

Free withdrawal amount
Starting in year two, the free withdrawal amount is 10% of remaining premiums less than six years old at the beginning of the contract year, or RMD, if greater. Any remaining premiums six years old or older is also considered a free withdrawal and no penalties would apply.

Waiver of Surrender Charge rider (0.30% annual charge)
Creates a fully liquid contract. Withdrawals can be taken with no surrender charges 

Allocation Accounts

Name Type Rates
1-Year Russell 2000 PTP Cap with 10% Buffer
Point to Point
Annual
19.5% Cap
6-Year Nasdaq-100 Max 30 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
115% Participation
6-Year Nasdaq-100 Max 30 PTP Cap with 30% Buffer Uncapped
Point to Point
6-Year
6-Year MSCI EAFE PTP Participation Rate with 10% Buffer
Point to Point
6-Year
110% Participation
6-Year Nasdaq-100 Max 30 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
130% Participation
1-Year Nasdaq-100 Max 30 PTP Cap with 30% Buffer
Point to Point
Annual
12.5% Cap
1-Year Nasdaq-100 Max 30 PTP Cap with 10% Buffer
Point to Point
Annual
40% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
100% Participation
1-Year S&P 500 PTP Cap with 30% Buffer
Point to Point
Annual
9% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
14% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
20% Cap
6-Year S&P 500 PTP Cap with 30% Buffer
Point to Point
6-Year
65% Cap
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
275% Cap
6-Year S&P 500 PTP Cap with -10% Floor
Point to Point
6-Year
60% Cap
3-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Triennial
65% Cap
3-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Triennial
30% Cap
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
12.75% Cap

Surrender schedule

Year
Penalty

Riders

Name Inbuilt Fee
Waiver of Surrender Charge rider Yes 0.30% annually

Waivers

No Waivers for LiveWell Dynamic 2.0 Annuity with Waiver of Surrender Charge annuity.

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