Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

LiveWell Preferred 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

The LiveWell Preferred 5 is a flexible premium deferred fixed index annuity. An annuity is a long-term Contract issued by an insurance company. In exchange for a premium payment, the insurance company agrees to make payments to you later on. This annuity provides an accumulation value that may earn interest through a fixed account and various index accounts (if selected). While the fixed account earns a fixed rate of interest each year, index accounts earn interest credits based on how an underlying index performs. Interest credits are guaranteed to never be less than zero. This annuity also provides several options for accessing funds. 
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
2.2% Fixed
1-Year Fixed Account (TX Only)
Fixed
2.2% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 LV DRC 5% PTP Spread
Point to Point
Annual
3.65% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Annual
45% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Biennial
65% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year Fixed Account
Fixed
2.3% Fixed
1-Year Fixed Account (TX Only)
Fixed
2.3% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 LV DRC 5% PTP Spread
Point to Point
Annual
3.45% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Annual
55% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Biennial
75% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Annual
145% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year Fixed Account
Fixed
2.5% Fixed
1-Year Fixed Account (TX Only)
Fixed
2.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.25% Cap
1-Year S&P 500 LV DRC 5% PTP Spread
Point to Point
Annual
3.25% Spread
1-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Annual
60% Participation
2-Year S&P 500 LV DRC 5% PTP Participation Rate
Point to Point
Biennial
80% Participation
1-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Annual
150% Participation
2-Year Fidelity Multi factor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
225% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
LiveWell Legacy Protector No 0.35% annually